Date Received: 2023-04-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I took advantage of a 0 % interest offer for 12 months from Barclays XXXX XXXX credit card with a 3 % fee for the balance transfer. I transferred {$12000.00} dollars to the Barclays card on XX/XX/2022 understanding that there would be a {$360.00} fee for the transfer. My rationale for this balance transfer was to put money on a 0 % interest compared to the 11 % interest I was paying. My intent was to pay this 0 % transfer off within the XXXX year allowed at 0 %. My first statement came in the mail from Barclays and it included interest charges in addition to the transfer fee. I called Barclays and they required me to write a letter to their Card Services explaining my situation. I wrote them got a letter from Barclays dated XX/XX/2022 denying my request for no interest. I called them a few more times after this date, again with no success. I paid Barclays {$12000.00} on XX/XX/2022. I informed them that I do not owe any interest or late fees, and that they would not get another dime from me. I paid what I owed way sooner than I ever intended because of their overcharging. I made a few more phone calls, and Barclays made me an offer to pay this card off at a reduced rate. All the charges that they accumulated we interest charges and late fees. I do not owe them a dime. My credit score has dropped significantly because of Barclays actions and they keep adding interest and late fees every month to a fabrication of theirs.
Company Response:
State: MN
Zip: 557XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I applied for XXXX XXXX XXXX XXXX XXXX XX/XX/2023 online, providing all my information including name, social security number, address, years living in the current address, phone numbers- it was a very detailed form. Given all the details, I received a letter from Barclays asking for even more material - drivers license, SOCIAL SECURITY CARD, current utility bill or bank statement with my current name and address - and I was asked to MAIL these to their address, otherwise my application would not be considered further. I called Barclays asking for an alternative to mailing these information. 1 ) i was not comfortable mailing such info out 2 ) it's not environmental friendly 3 ) i don't want to pay for the mail 4 ) why is social security card even needed as i've already provided my number. I was provided no options. I asked why these extra information was needed - I have 8 years of credit history, my fico score is XXXX, i've been living in current address for XXXX years, my credit report would have supported all information i provided, it doesn't seem like enough efforts were made ( pull my report and check against my info ) before Barclays started asking for more- i was provided with no reasoning.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: We have a Gap store card for years and has been on auto pay. Last year Gap moved the account from XXXX ( i think ) to Barclays. The account transfer was bungled such that we could not create a new login at Barclays to check account balances. In the meantime we used the card. In XX/XX/2022, we called on the phone and made all the payments and made balance XXXX. Somehow they charged us {$2.00} minimum fee and we never got any letter for it and we never used the card for next few months. In the meantime, that {$2.00} had a {$30.00} and {$40.00} late fees tagged on. We called and sorted it out with Barclays. But they reported us for " late payment '' to credit bureaus which adversely affected our credit while this was no fault of ours. We currently have a credit balance with Barclays gap card ( they owe us money. ) We called them to resolve the credit reporting matter but they do not have a phone number or an email to communicate with their credit reporting dept. Only help we're looking for it to fix the incorrect reporting to the credit dept.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78665
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am request that the BRCLYSBANKDE account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft. I have taken all necessary steps to report this fraudulent account to the relevant authorities, and I have provided them with all the necessary documentation. I am now requesting that you remove this account from my credit report as it was opened without my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Barclay is being intentionally deceptive by refusing to provide me with a way to resolve this debt. I have tried for months ( beginning late XXXX 2023 ) to determine the correct owner of this debt to get this resolved. Barclay refuses to provide me with information to resolve this debt beyond a number and company name that is only three letters. This account was investigated by XXXX within 24 hours on XX/XX/2023, and I have not received owner of debt, contact information, or account number. This is an FCRA violation that occurred during the height of pandemic.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94553
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX/ Barclays card services/ they have destroyed my credit/ and added collection to my credit account/ {$2500.00} dates XX/XX/2022
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XXXX I sign up for a credit card from Barclays Bank. I thought there was no annual fee but apparently there was no annual fee in the first year but there was in each year thereafter. I made a few purchases on the card in XXXX and paid them when they became due. In early XX/XX/XXXX I received a statement dated XX/XX/XXXX advising me that I was to be billed next month for an annual fee of {$99.00}. The statement went on to state : " You may choose to call us at XXXX within 45 days of receipt of this notification to discuss alternative products that may be available or to close your account so that the fee will not be billed. '' My wife and I each thought the other had called to cancel the card but when I received a download into my accounting software of an annual fee charge I realized that the account had not been cancelled. I immediately called the number on the statement and asked to cancel the account. The call was made on XX/XX/XXXX at XXXX XXXX XXXX and I spoke to XXXX. After checking with his supervisor, XXXX advised me that I would have to pay the annual fee and that the bank would mail me a check to refund the fee within 60 days. I pointed out that the bank 's own notice said that if I called within 45 days ( I called within 32 days ) that " the fee would not be billed ''. In response I was told that since the fee was already on the XXXX statement, I would have to pay it and that the bank could not reverse the charge. In addition the bank advised that if I didn't pay the charge by the due date I would be assessed a late fee and interest. Since the bank will not honor its own written notice, I have no confidence that if I pay the annual fee that I will receive a refund based on an oral promise made over the phone. Also, loaning the bank {$99.00} for two months is not fair since they promised to not assess the fee if I called within 45 days which I did.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Someone on XX/XX/2023 attempted to open two different credit cards using all of my information. The cards were with XXXX XXXX XXXX and Barclays ( XXXX XXXX ). Which resulted in two hard hits on my credit. I have been unable to speak with anyone with XXXX XXXX XXXX and Barclays was only able to provide that the application were done online. I have put a freeze on my credit. I am making a report with my local police department. I want to have this investigated for future issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Company is Barclays Ive been dealing with fraudulent activity for a while now and there was charges done without me knowing or consent this company had made it difficult to where they freeze my account and made it to where I became late and effected my credit history as part of few other cards and crisis Im currently experiencing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85014
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/XXXX, I pulled my credit report and noticed that there was some inaccurate information regarding my credit score. I noticed that my credit reports have been ruined by this company on information that has not been validated. My consumer credit reports have been ruined due to the businesss abusive and deceptive practices. I contacted the credit card agency with a letter regarding my findings and still have not received a response and it has been more than 30 days since the letter has been sent. My complaints were as followed : To whom it may concern : Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. As I did not authorize consent for Barclays to report anything on my consumer report. Pursuant to federal law 15 U.S.C. 1692 a ( 3 ) When I pulled my consumer credit reports on XX/XX/XXXX I noticed that my credit reports have been ruined by this company on information that has not been validated. My consumer credit reports have been ruined due to the businesss abusive and deceptive practices. I noticed that there were inaccuracies on my consumer reports, such as the balance of {$2400.00} late payments, as well as a closed account by your company. This has destroyed the lively hood for my children and I to live sustainably, such as purchasing a home of our own, and being able to take care of their necessities. This is very disheartening for me and caused a lot of emotional distress for myself and my children. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof of claim that I am legally obligated to pay you and that late payments were made and updated pursuant to 15 U.S.C 1666B. I am demanding the removal of the negative items if the information is not validated. ( A copy of any sort is not evidence ) The original must be furnished with WET INK SIGNATURE, including 3-308, and 3-302 ) and proof that it is my signature. Pursuant to federal law 15 U.S.C. 1681 as well as the Fair Credit Billing Act 15 U.S.C 1666-1666j., federal law states that you can not report anything adversely on my consumer credit report until the investigation is complete. Please provide me with the below-mentioned items : * The amount you claim the XXXX owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount pursuant to Federal Law UCC 8-315 * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence of your license numbers and your registered agent. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, or XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below-mentioned reasons under 15 U.S.C. 1692 ( a ) ( 1 ) as well as the following : *Misuse of my copyrighted property *Violation of the Fair Credit Reporting Act ( F.C.R.A. ) *Defamation of character *Violation of the F.D.C.P.A *No consent was given *Invasion of privacy I would like to inform you further that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. If your agency can provide me with the requested documents, I will need a minimum of thirty ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped. Also, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate solution for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) 192 of XX/XX/XXXX, under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ). If your agency/company fails to respond to this debt validation request within a period of ten ( 10 ) days from the date of your receipt of my notice and affidavit, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer-generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records. Any information obtained shall be used for that purpose. Respectfully, _________________________________ XXXX : XXXX Without Prejudice 1-308
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55433
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A