Date Received: 2023-04-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Somebody stole my identity and used my information And did application for BARCLAYS BANK DELAWARE this was not me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95818
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023 I paid my BarclayCard account statement balance in full using the Barclay website to pay from my non-Barclay checking account. The payment cleared my checking account on XX/XX/2023. Today, XX/XX/2023, I noticed that Barclay had placed a " pymtmonyhold '' on my account, reducing my available credit by the amount of my already-cleared payment. Barclay habitually does this just as I habitually pay my statement balance in full every month. I called Barclay today and spent an hour on the call with the representative, who informed me that Barclays still did not receive my payment from my bank. I called the branch manager at my bank and she informed the representative that the money left my bank and bank account on XX/XX/XXXX. Barclay acknowledges the payment ( see attached monthly statement ) but won't update my credit line accordingly, in violation of their own payment processing policies ( see attached payment processing chart on Barclay 's website ). The Barclay representative informed me and my bank manager that we needed to wait until this Friday or next Monday to take further action on this matter, to " see if the money arrives to Barclays. '' This was an ACH debit initiated by Barclays and my bank paid it on XX/XX/XXXX. Someone needs to investigate the payment crediting practices of this bank because they are nonsense. Foreign representative who barely speaks English much less understands US banking law and practice. It doesn't take 7-10 days for an ACH payment to be received by the initiating, debiting party. Barclays has the money, they are just being punitive. I've had this account for nine years and never had a payment returned by my bank, never missed a payment, and usually pay in full each month. Why is Barclay 's doing this to its best customers?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80227
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: On XX/XX/2023, I contacted Barclay concerning lowering my payment or interest rate for at least 6 months due to financial hardship. I received a call from the corporate office informing me that they do not have any programs available to assist me. I informed the company that I would not be able to continue to pay the full amount due. In XXXXXXXX XXXX, I paid them {$100.00} instead of the {$160.00}. After receiving the XXXX payment, I began receiving calls from Barclays informing me that they now have a program. I asked how long has this program been in assistance and was told that they have always had this program and others. They informed me that my account would be closed if I accepted the program. I requested that they send me the information so that I could read the terms and conditions of the program. I was told that I could not receive the information until I had agreed and paid the initial payment. I called today, XX/XX/2023. I was told by a lady in collections that she was filing a grievance on my behalf because of what I stated in this complaint. We got disconnected before I could receive any complaint details, and I didn't receive a return call. Barclays reported my account 30 days delinquent for {$64.00}. They received a payment last month. However, they are reporting my account as if they did not receive any payment. I can not receive any straight answers from this company. I have always paid my bill every month on time until XX/XX/2023. It is a disservice to customers with excellent payment history, not to receive any assistance when requested, and for the company to lie and state that there are no programs. I wish that I had never gotten this card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I reviewed my Consumer Reports and noticed that I had a late payment on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for Barclays XXXX XXXX Please investigate and provide proof with statements showing that the payment was late. According to 15 U.S. Code S 1681e- Compliance Procedures, it it illegal to report inaccurate information. if proof can not be provided, I demand thus payment be updated to on time as they should be as I was NEVER Late. Thanks,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I never opened an account with Barclays Bank in Delaware. This is a fraudulent account. This account should be removed from my credit report immediately. This is considered fraud. I like to keep my good name in good standing. My report should be accurate at all times and this is a poor representation of accuracy. This not only violates my privacy but it's completely unfair and unjust.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44137
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: Car was rented from XXXX at XXXX XXXX on XXXX XXXX 2022. My card was presented to the merchant for the cost {$110.00} to pay for rental in full. It was explained I would get a follow up bill for for toll by plate charges which was fine. On XX/XX/XXXX, the same rental agency charged my card again in the amount of {$170.00} for the same rental contract. I was already back in XXXX on XX/XX/XXXX so how could I rent a car again from half a globe away? Barclay has been contacted three times about the fraud and have done nothing to get it fixed. They have not asked for signed documentation for this charge and admitted that my card was not present with the transaction was made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33056
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: 2023-04-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Hello I was astonished after have a Barclays arrival plus for 6 years the card was shut down with no call no warning. I paid the annual fee every year of {$89.00} and never missed a payment. They wouldn't tell me on the phone the reason I had to wait for the letter. Letter came said they found negative public record identified. I checked records that I could online and nothing came up. I called to find out where they got the information from after being on hold for 30 min. I was told they do not have access to that info. After all this I had over XXXX points which I could redeem for travel they refuse to give me those points or use them as well as no refund for the additional month left of my year from the annual fee I paid. Please help Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Hello I was astonished after have a Barclays arrival plus card card for 6 years the card was shut down with no call no warning. I paid the annual fee every year of {$89.00} and never missed a payment. They wouldn't tell me on the phone the reason I had to wait for the letter. Letter came said they found negative public record identified. I checked records that I could online and nothing came up. I called to find out where they got the information from after being on hold for 30 min. I was told they do not have access to that info. After all this I had XXXX points which I could redeem for travel they refuse to give me those points or use them as well as no refund for the additional month left of my year from the annual fee I paid. Please help Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: In XXXX I found a card on my credit report from Barclays Bank which was not mine it had some charges on it I contacted Barclays Bank they plainly denied it I told them it is a fraudulent card but after denial I contacted consumer financial protection bureau who researched it and Barclays accepted that the charges were fraud and close the card guess what they transferred the balance to a new card which never was mailed to me after some time when I found out that there is another card in my name I contacted Barclays and they said you must make minimum payment otherwise your credit report will be reported late so I in order to save my credit report I made the minimum deal and started investigation Barclays took so long and during the meantime I kept on paying money which I never owed to them after some time I just gave up because whenever I contacted them with a fraudulent card they will close it open a new account never mail the card to me and then say this is your balance I stopped paying them the card became charged off attached are the letter from Barclays in which they accepted fraudulent charges and the identity theft report please help me in removing this listing and getting my paid money which I never ordered them returned back to me ATTACHMENT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: They are calling me more than 5 times a day everyday non stop. I am unable to pay them right now due to a change in income. I've informed them of this and asked them to stop calling. They are still calling. Barclay 's bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49504
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A