Date Received: 2023-04-12
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: To Whom It May Concern : I am writing to vehemently dispute the charged-off account and inaccurate reporting associated with the above-referenced account number XXXX as reported by Barclays Bank DE. Upon reviewing my credit report, I discovered that the account was reported as charged off, which needs to be corrected. It should be noted that the account in question was included in a XXXX XXXX bankruptcy filing ; however, the focus of this dispute is not related to the bankruptcy itself. I vehemently dispute the accuracy of the charged-off account and assert that the reporting is fundamentally flawed. Barclays Bank DE effectively exploits public tax dollars to assist with the write-off by taking a write-off for the previous debt. This action constitutes a form of public assistance. Moreover, my requirement to file the discharged debt as income on my tax return falls under the income statute, which should exempt this debt from being reported on my credit report. In addition, I have yet to receive Form 1099-C ( Cancellation of Debt ) from Barclays Bank DE XXXX which contravenes the Internal Revenue Service ( IRS ) regulations under section 6050P of the Internal Revenue Code. Regardless, I have dutifully filed the discharged debt as income on my tax return, as mandated by the IRS. Barclays Bank DE failure to provide the 1099-C constitutes a breach of the IRS tax code, and it has come to my attention that you have taken a write-off for the debt in question. It is crucial to emphasize that income is not required to be reported on a consumer report under the Fair Credit Reporting Act ( FCRA ). Section 605 ( a ) ( 4 ) of the FCRA explicitly states that consumer reporting agencies may not include any information in a consumer report that pertains to " receipt of public assistance benefits. '' I assert that the income reported on my tax return, which encompasses the discharged debt, qualifies as public assistance benefits and is therefore exempt from reporting on my consumer report. I demand that you provide documentation supporting the validity and accuracy of the reported information, including any signed agreements that establish the debt and any other pertinent information. I insist that you investigate this matter and verify the following : 1. The accurate reporting of the charged-off account on my credit report, considering that I have filed the discharged debt as income on my tax return despite not receiving a 1099-C from Barclays Bank DE 2 . 3. The validity of the reporting of the charged-off account. Should the investigation reveal inaccuracies in reporting the charged-off account, I expect you to remove the account promptly. I request that you provide me with the 1099-C you neglected to issue, as required by the IRS regulations XXXX I demand that you respond to this dispute within 30 days, as mandated by the Fair Credit Reporting Act ( FCRA ). Failure to comply may result in further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. I await your prompt attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60148
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: XXXX XXXX XXXX keeps reporting addresses that are not mine to the credit bureaus and i have informed them to stop and they have not
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: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: We have always paid our CC early with the company Barclay Have been with this company for over 5 years XX/XX/2018 Always in Great Standing Never ever late EVER.. Always pay more then is due.. Credit limit was {$10000.00} recently, due to health conditions, I was laid off a job and taking care of health concerns! Due to lower income have used if your credit cards about 40 % But never late on any of them We currently listed our house for sale to downsize and its in escrow Barclay chose to lower our limit to XXXX and financially harm us in the buying of a new home, based on how usage of other cards not even their own Other cards that weve never been late on And have no collections are negative reporting whatsoever We have only Utilized 10 % or less most of the time With barclay! Yet they lowered our limit to {$1600.00} financially harming us while buying a new home They said it was due to high credit usage on other cards .. from credit report While selling our home and getting ready to move to smaller one to adjust our lives We noticed our credit score dropping 40+ points due to Barclay lower our limit Afraid we would do the same to them Although we never have in 5 years.. My husband still makes over XXXX year with his good job. Pays All the bills ON TIME When calling they Were made aware of the harm Their unethical actions caused us I spoke first with agent at portfolio unit name XXXX he said he could fix this but would have a manager reach out to me Then A mgr named XXXX called me To say sorry I could reverse this but wont Even knowing the harm they were causing us .. she was still unwilling to fix this! Said sorry And thats it! When I told her we would be contacting the CFPB To file a report and claim, she said she didnt care .. like CFPB doesnt help people, when I know they always have been a great support to us over the years
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for the Barclays Jet Blue MC plus which at the time I applied was for a promotion of XXXX Jet Blue Points which I have done everything from spending the {$1000.00} and paying a {$99.00} annual fee I would have never taken this card to pay a {$99.00} annual fee if it didn't come with that promotion. I am asking the company to reimburse me with the balance of XXXX points because they have already given me XXXX I have family members who applied at the same time as I did and received XXXX points I am asking for the points that I applied for at the time of this Promotion
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a credit card payment to Barclays Bank on XX/XX/2022 in the amount of {$920.00}. Barclays sold my credit account to XXXX Bank and neither bank has given me credit for that payment made. XXXX has referred me back to Barclays. Barclays attempted to communicate with XXXX and XXXX from the XXXX XXXX has called me, but previous claim is now closed even though this situation is not resolved. XXXX continues to be non-responsive. I have also filed an action with the XXXX against XXXX over this. I would like proof from Barclays that they received my payment based on the transaction information I provided them, as well as proof of them sending it to XXXX. I would like my refund of {$920.00} immediately. I have proof of payment from XXXX Bank including the credit tracing number. Previous Claim # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95603
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My XXXX branded credit card was bought out by Barclay 's bank XXXX. However, they failed to transfer the automatic payment. And give proper information. Futhermore, all the Barclay 's mailer looked like a normal credit card offer or a potential phising scam since XXXX had my XXXX card since it was opened over 10 years ago. There communication therefore was securely shredded as precaution. I was not aware it change banks without my prior authorization either. Futhermore, when calling Barclay 's to setup automatic payment they failed to do so. Only manual payment seemed to work for awhile. This change and automatic payment issues resulted in Barclay 's marking the payment late on XXXX XXXXWhich resulted in another late payment marking on XXXX 2021. I called and had Barclay 's fix the issue. They stated they would make sure it doesn't show late payment on my credit card report. However, they also failed to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75098
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I bought 8 phones from XXXX XXXX and XXXX XXXX has claimed they never received 3 out of the 8 phones I sent back for returns. XXXX refused to help me for the three missing phones, so I got my Barclay 's Bank involved. I have been dealing with these cases since XX/XX/XXXX. My case IDs with Barclays are the following : XXXX, XXXX, XXXX, XXXX. Barclay 's closed my case XXXX without notice or reason on XX/XX/XXXX with no manager callback as requested. I have provided evidence with tracking numbers of all the phones that were returned back to XXXX and signed for, but the bank keeps closing my case without explanation & warning. 4 separate transactions were made to the XXXX XXXX. Each phone cost {$470.00}. I bought two phones each on these dates : XX/XX/XXXX ( Order ID : XXXX ) XX/XX/XXXX ( order ID : XXXX ) XX/XX/XXXX ( Order ID : XXXX ) XX/XX/XXXX ( XXXX ) Four transactions of XXXX because 2 phones were bought within each transaction. I only won 1 case with Barclay 's for the total amount of one phone ( XXXX ) but they refuse to refund the last XXXX because they saw a refund from XXXX that did not pertain to the correct transaction. They failed to see that I ordered eight phones in total but I have all documentation which phone was refunded and which phones were not refunded. The phones that were NEVER refunded to XXXX were the following : Phone 4XXXX XXXX XXXX XXXX XXXX ( Unlocked ) - NO REFUND, DELIVERED ON XX/XX/XXXX XXXX # : XXXX / XXXX : XXXX Tracking ID XXXX : XXXX Phone 5XXXX XXXX XXXX XXXX XXXX ( Unlocked ) - NO REFUND, DELIVERED ON XX/XX/XXXXXXXX XXXX # : XXXX XXXX XXXX XXXX XXXX Tracking ID XXXX : XXXX Phone 8 - XXXX XXXX XXXXXXXX XXXX ( Unlocked ) - NO REFUND, DELIVERED ON XX/XX/XXXXXXXX XXXX # : XXXX / XXXX : XXXX Tracking ID XXXX : XXXX Barclay 's keeps closing my case without reason and the agents keep telling me different information saying a manager will follow up with me, but no manager calls me back and they change their story saying I missed the deadline to submit more evidence. The last time I submitted my evidence was XX/XX/XXXX and the Manager, XXXX, told me to call back on XX/XX/XXXX. I called back on XX/XX/XXXX but no manager had followed up with me & blamed their faulty server for not calling me back. They claim to have no record of a manager call back even though I have the exact call log on XX/XX/XXXX at XXXX & the case ID for a manager 's call back - # XXXX. I waited until Monday XX/XX/XXXX for the final callback, with no callback. So I reopened the case to have a manager call me back. I called back today, XX/XX/XXXX and the representatives claim there was no case opened for a manager call back. The resolution I want is my {$950.00} returned back to my credit card. Please note all tracking numbers for all 8 phones. If I was refunded for a phone, I do note that I was refunded. Since Barclay 's only got back one phone cost ( {$470.00} ), the remaining cost would be XXXX ( the other two phones XXXX has lost, themselves ). Here is a summary of all phones and their tracking numbers. If a phone was not refunded, it will say so. I have also attached a PDF of this letter. XX/XX/XXXX Letter of Intent Dear Barclays Dispute, Case ID : XXXX, XXXX, XXXX These are my tracking numbers for all the phones that I purchased and returned back to XXXX. Manager XXXX instructed me to provide all 8 XXXX numbers and tracking numbers. Phone 1 - XXXX XXXX XXXX XXXX ( Unlocked ) - REFUNDED ON XX/XX/XXXX XXXX # : XXXX XXXX XXXX : XXXX PHONE 1 - Tracking ID USPS : XXXX XXXX XXXX XXXX XXXX XXXX Phone 2 - XXXX XXXX XXXXXXXX XXXX ( Unlocked ) - REFUNDED ON XX/XX/XXXX XXXX # : XXXXXXXX XXXX XXXX : XXXX PHONE 2 - Tracking ID USPS : XXXX XXXX XXXX XXXX XXXX XXXX Phone 3 - XXXX XXXX XXXXXXXX XXXX ( Unlocked ) - REFUNDED ON XX/XX/XXXX XXXX # : XXXXXXXX XXXX XXXX : XXXX Tracking ID XXXX : XXXX Phone 4XXXX XXXX XXXX XXXX XXXX ( Unlocked ) - NO REFUND, DELIVERED ON XX/XX/XXXX XXXX # : XXXX XXXX XXXX : XXXX Tracking ID XXXX : XXXX Phone 5- XXXX XXXX XXXX XXXX ( Unlocked ) - NO REFUND, DELIVERED ON XX/XX/XXXX XXXX # : XXXX XXXX XXXX : XXXX Tracking ID XXXX : XXXX Phone 6 - XXXX XXXX XXXX XXXX ( Unlocked ) - REFUNDED ON XX/XX/XXXX XXXX # : XXXXXXXX XXXX XXXX XXXX XXXX Tracking ID XXXX : XXXX Phone 7 - XXXX XXXX XXXX XXXX ( Unlocked ) - REFUNDED ON XX/XX/XXXX XXXX # : XXXX XXXX XXXX : XXXX Tracking ID XXXX : XXXX Phone 8 - XXXX XXXX XXXX XXXX ( Unlocked ) - NO REFUND, DELIVERED ON XX/XX/XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX Tracking ID XXXX : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20901
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX ) I have not initiated any transaction with. Furthermore, I do not have an account as defined under XXXX XXXX. XXXX ( XXXX ) with for review or collection.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70118
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
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: XXXX XXXX XXXX XXXX XX/XX/XXXX {$180.00} XX/XX/XXXX {$90.00} XX/XX/XXXX {$750.00} XX/XX/XXXX {$180.00} XX/XX/XXXX {$180.00} These were all disputes when the XXXX XXXX XXXX was cancelled XX/XX/XXXX, since the convention was cancelled the company did not provide services. The company also promised full refunds asap & now here we are FOUR months later still none - so therefore the credit card company should be working harder. I have attached the cancellation notice of the event & the responses to my disputes from Barclays who claim insufficient proof that the merchant has violated the invoice/contracts terms and conditions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01201
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On XX/XX/2023 Wyndham XXXX in XXXX XXXX opened a credit card with a XXXX limit in my name without my permission. I was able to call the issuing bank and cancel the card but due to the fact Wyndham has recently had a class action lawsuit filed against them for this practice I thought it was best to make an official complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23462
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A