Date Received: 2023-04-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
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 wrote XXXX XXXX regarding an error on my bureau. ( Account Barclays Bank Delaware # XXXX ) regarding errors, I noticed with the payment rating, balance. XXXX was to update my report after investigating : XXXX duty is to provide Notice of dispute : VIOLATION 15 USC 1681 S 2 ( A ) ( 3 ) : requires credit reporting agencies to investigate and correct inaccurate or incomplete information The error in question relates to the PAYMENT RATINGS on my bureau XXXX XXXX ***PLEASE REVIEW MY PAYMENT RATING AND HOW IT IS REPORTED Ive been disputing this for YEARS and Trans union has FAILED to provide me with CORRECT Payment Rating Data XXXXVIOLATION OF 15 USC 1681 S 2 ( A ) ( 3 ) XXXX XXXX REPORTS : LAST PAYMENT WAS MADE ON XX/XX/XXXX : If last payment was made on XX/XX/XXXX how can there be any late payments reported prior to XX/XX/XXXX? Please see highlighted ***MY CREDIT BUREAU SHOULD BE MARKED AS DISPUTE REINVESTIGATION INFO SHOULD STATE DISPUTED PLEASE SEE DATE UPDATED ON MY BUREAU : LAST UPDATE AS XX/XX/XXXX Please see the Highlighted Response from XXXX XXXX XXXX XXXX Failed to conduct a reasonable investigation Under 15 usc 1681i : Failed as a data furnisher XXXX XXXX to conduct a reasonable investigation. Barclays violated 15 USC 1681s-2b Consumer Portfolio was not listed or updated on my bureau with the dispute FCRA states XXXX XXXX is required to investigate disputes and correct any errors within in 30 days, however after years of disputing this information, XXXX XXXX has FAILED to meet this obligation and has CONTINUED to report the inaccurate information instead of correcting it. As a result of XXXX XXXX FAILURE to comply with 15 U.S.C 1681s-2 ( a ), I have suffered harm to my credit score, insurance policies, and refused employment. I plead you thoroughly see the the violation and ensure this incorrect info is removed immediately from my report, and take the proper steps that will prevent XXXX XXXX from violating others such as myself under FCRA. I reserve the right to to take legal action to enforce my legal rights under the FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48038
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Barclays, you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I have a old navy visa card with XXXX XXXX. Last XXXX Baclays took over and issued master card. I charged my card with XXXX XXXX for water filter. First charge {$6500.00} and another charge {$2400.00} total {$8900.00} from XXXX XXXX XXXX ( XXXX XXXX ) XXXX or XXXX XXXX XXXX sent email and phone verified with credit card company that I returned everything to XXXX XXXX XXXX and I do not owe anything to XXXXXXXX XXXX XXXXXXXX. XXXX XXXX issued credit to my account before transfer. Barclays charged my card {$8900.00}, plus interest and late fees. They refuse to give credit to my account. They closed my card and informed credit report agency. My score is very low regarding the complaint. My other credit card company lowered my balance because of that. I receive statements from barclays every month with late fees for non payment ( {$8900.00} ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08820
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: SEE Email Attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - Hard Credit Inquiry on XXXX XXXX XXXX XXXX I did not apply for a credit card with XXXX Wyndham Rewards Earner Card application - XX/XX/XXXX - Hard Credit Inquiry on XXXX - Unknown Source- I did not apply for a credit card with Wyndham Barclay Bank Please remove all Credit InquiriesPlease investigate this fraudulent activity
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93560
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Under 15 U.S. Code 1681b - ( a ) ( 1 ) ( 2 ) Permissible purposes of consumer reports, I did not give consent or written instructions for Barclays Bank Delaware to be reporting a transaction on my credit report Under the IRS code, all debt that are written off must issue a 1099 to me but Barclays Bank Delaware did not send me a 1099 even though they said they wrote the debt off as bad debt. Under the UCC, I made full payment and did not receive my instrument that I sent as payment back from Barclays Bank Delaware
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78227
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I havent received a call from Barclays in months and their app isnt user friendly to make payments. I have contacted them in the past in reference to not allowing my bank account to be used. I have a hard time using technology their app isnt user friendly. Thats how I fell behind in the first place as well as I never received call about my account. I would like to settle my account but they have never gave me an option to do that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89117
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
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: On XX/XX/2022 a person with the same name as me, purchased 15 pairs of slippers from XXXX XXXX. This person used my XXXX account. I saw the activity and called my credit card company XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). The card was cancelled. However, the credit card company says I am responsible for the 3 transactions of {$130.00} that occurred on my account. XXXX says, because I called the bank before them, that they are not responsible.? The bank says the activity is valid based on documentation provided by the merchant ( XXXX XXXX ) I have written the bank ( Barclays ) several times for a copy of this documentation. They do not respond. I have written XXXX to show them the 15 pairs of shoes were sent to a XXXX XXXX in XXXX Florida using XXXX XXXX. I live in Hawaii and XXXX XXXX does not deliver to my address. XXXX screwed up. Under XXXX screwed up and my bank will not reimburse me for these charges totaling {$400.00}. I never ordered nor received 15 pairs of mens slippers from XXXX XXXX using my XXXX account. The bank refuses to provide the documentation they say they have to prove their case. Thank you for your consideration of this fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Please note this is a NEW dispute. I previously filed a complaint about AAdvantage 's wrongly charging me for a fraudulent charge of over {$4000.00}. They are now retaliating against me for filing the earlier complaint with CFPB, and are putting a NEW fraudulent charge of a different amount, {$1000.00} on my account. I need your help again with this NEW, and different charge. This {$1000.00} is a fraudulent charge that I notified them of promptly, a day or two after the XX/XX/XXXX post date, when I first went onto my account after it was posted. They said months ago they agreed the charge was fraudulent and took it off my account. Now, after I filed a complaint with you as to a previous charge of $ XXXX, they are putting the {$10000.00} charge back on. In their XX/XX/XXXX letter notifying me that I allegedly owe then {$1000.00}, they state : 1 ) they have conducted a valid investigation - but dont provide any documentation of that, 2 ) they have " determined '' the charge is valid - without any explanation as to why, and 3 ) claim the merchant company provided " documentation '' - without disclosing what the documentation is or providing copies. I called their fraud team department to request they provide these documents promptly via fax or email ; they refused. The XX/XX/XXXX {$1000.00} charge is fraudulent, which I notified them of promptly. AAdvantage Mastercard assures you on their that you can use your card with confidence because youre protected against fraud if you report it. I did that. Theyre still trying to bully and intimidate me into paying them something I dont owe. When I called the fraud team to ask that documentation be emailed or faxed to me ( which they refused ), they told me to work it out with XXXX XXXX. When I reported the fraud to XXXX XXXX, they told me to work it out with my credit card company. Neither company has provided a shred of evidence for the money they claim I owe. I would also ask that CFPB look into the question of whether US Barclays AAdvantage Mastercard is incentivizing fraud team employees to send out fraudulent and unsupported demands for payment by offering rewards or bonuses for employees ( or the team as a whole ) for amounts they recoup through the sending of these letters. The complete lack of documentation, and the nonsensical nature of the reasons given, raises the question of whether there is a business practice on the part of US Barclays AAdvantage Mastercard to send out these letters wholesale, to get money out of the card holders who at some point give up and pay even when they dont owe anything, just to stop the harassment. BTW, I am a US XXXX XXXXr, having received this honor from President Jimmy Carter in a Rose Garden ceremony in XXXX. I was appointed to the Pennsylvania XXXX XXXX to the XXXX on XXXX and have advised members of the Pennsylvania legislature on bills in my area of legal practice, employment discrimination, and harassment. I served as a settlement judge for the Equal Employment Opportunity Commission. In XXXX I was subjected to XXXX XXXX discriminating against me while I was trying to obtain a mortgage. Attached is my XXXX XXXX XXXXXXXX article about that. After this article, XXXX XXXX changed their practice nationwide to stop doing what they did to me. I do not accept financial abuse from large corporations. Please stop AAdvantage from continuing to abuse and retaliate against me for fighting their extortion.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06511
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A