Date Received: 2023-03-28
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: 1. First issue is with XXXX XXXX XXXX. I accepted an offer to close my account if I agreed to pay the balance less late fees within 60 days. This agreement would require them to not report any derogatory remarks on my credit report unless I didn't pay the amount due in full within 60 days. They closed the account, and reported it with late fees, still. 2. Barclays card credit card. Initially opened for use by our organization. I was added on as an authorized user. However, the account owner refused to give us any access to these accounts and we were unable to verify that the monthly minimums were being paid timely. The account owner acted as if the physical cards were misplaced but we later learned from the credit card company that he had closed the accounts. The credit limits on the accounts was not maxed out, best to our knowledge. The card is now on my personal credit report as closed and delinquent. This is incorrect because I was added as an authorized user not the guarantor. I need to get this derogatory remark canceled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 558XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
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 was told on multiple occasions the charge for two flights on this credit card would be credited to my account, since we were unable to fly due to being XXXX positive. On my last complaint I received a call asking if I was ok with them crediting me for the flight off of my credit card. They still have NOT processed the credit. This is borderline fraudulent now, since they have agreed at least twice now to take the charge off of my card. However as of today, I still have a $ XXXX balance for something that didn't take place and that I called to canceled before the flight.
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: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I use a Barclay Red Aviator Card for business travel. I recently made a XXXX $ on XXXX payment that was processed and paid. Barclays after the fact place an additional hold on that payment to not reflect until XXXX. Upon calling I am not told why the additional hood was placed but simply told its out of their control. I dont have these issues with my other cards when I pay a bill. I found out while trying to use card to check in for week. It was declined who h had me confused. I paid with other card. Not only do I now need to wait till XXXX $ hold Barclay placed on my payment but I somehow also have to wait for a payment they declined XXXX XXXX XXXX to get dropped from authorized hold the placed. Their customer service stated she couldnt do anything and I could try calling next day. Not good business practice either way. But I can imagine it benefits them to hold money till XXXX and I want to know why the hood was placed and if I am now expecting this to happen again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98119
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Credit Card was hacked originally and Barclay would not resolve the issue. I chose to pay off the card and close the account. I paid {$800.00} on XX/XX/XXXX. Another payment of XXXX on XX/XX/XXXX. And then got notified that there was still a balance on the card of XXXX. That was paid off on XX/XX/XXXX and i requested that the account be closed at that time. I was working on getting a loan approved and was informed that the account was showing in collections. I reached out to Barclay and found that they had put my account in collections over a charge of XXXX that was on XX/XX/XXXX. This was almost an entire year after the account was requested to be closed. I dont have the card and did not make this purchase. I called Barclay and even offered to pay off the account, even though this was not my charge. I was told by Barclay that we would have to mail in a payment of XXXX to Card Services in XXXX and that they could not take the payment over the phone. I have never payed this card late or missed a payment on this account until the charge after the account was to be closed. I also had this card setup on autodraft for the payments to be made automatically. There should never have been a reason to XXXX allow the charge on an account that was requested closed by the account owner. XXXX never went to collections when it was setup for autodraft from my bank account for payments to be made automatically.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30701
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: My husband and I have an XXXX XXXX account through Barclays USA. The terms of this account give us " points '' for amounts we spend on the card, which we can apply to pay the account balance, among other things. In XX/XX/XXXX, we had a balance of XXXX points accrued on the account. I called Barclay 's customer service on or about XX/XX/XXXX and asked to redeem the points and use them to pay the then-current account balance- which would have allowed us to conserve cash. The agent I talked to confirmed that I was redeeming the points and that they would be applied to the account balance for the next payment due. However, in XXXX, I noticed that the points had been deducted from my account but NOT applied to the account balance. I called Barclays customer service again last week ( probably XX/XX/XXXX ), and confirmed that the points had never been applied as a payment, although they had been deducted. I opened a complaint with customer service- Case XXXX XXXXXXXX- but have not heard anything more. By redeeming the points without giving us credit against the account or any other value in return, Barclays has stolen money from us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93444
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Dear Barclays, Although you have sent me another persons personal information saying its mines, this is another response to a listing on my Credit Report. Its a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. See account below XXXX This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61820
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
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: In XX/XX/XXXX, I discovered XXXX has been charging my credit card two times a month for a monthly XXXX subscription ( instead of paying one $ XXXX/charge, I've been paying two $ XXXX/charges ). I did not realize this was happening for a long time, as the charges occur just one day apart- on the XXXX AND XXXX of each month. Upon realizing this, I called XXXX thinking it would be a simple solution and that they would refund me for the duplicate, secondary charge which I did not receive secondary CarePass benefits for. However, they do not show two charges or two accounts, so wouldnt do anything to stop the duplicate charge. Their records only show that they are charging me once/month instead of twice/month - therefore, they say they can't do anything to stop the second charge. Guess what? I can't either, because XXXX won't stop the charge and Barclays also will not help me stop the charge. After multiple frustrating phone calls with XXXX customer service, I went to my credit card company, Barclays. They told me to work with the merchant, but as mentioned the customer service team at XXXX is not able to accommodate. At the beginning of XX/XX/XXXX, I cancelled my XXXX XXXX account all together in hopes of stopping the duplicate charges. On XX/XX/XXXX and XXXX, I was once again charged two {$5.00} XXXX fees- even after cancelling the service. On XX/XX/XXXX, I once again called XXXX to try to get to the bottom of this once and for all. For 40 minutes, I was told that they dont show a XXXX account associated with my credit card. Upon threatening a class action law suit, my account was miraculously found. Only one account was found, however, and the second charge remains a mystery to them. I dont know why the one account was found and still showing as active, as like I said above, I cancelled the account at the beginning of XXXX ( and can provide the email confirmation ). Ive been told that one account has been cancelled and a ticket has been submitted to determine the other account. While it would be great to be refunded for the second, duplicate {$5.00} charge Ive been receiving for XXXX years, I would settle at this point for XXXX to just stop charging my credit card each month so I can stop dealing with this headache with XXXX and Barclays. Since XXXX and Barclays both will not help me resolve this issue, I was forced to close my Barclays credit card which I have had for 12 years and my credit will ultimately suffer because of this. I've called Barclays, sent letters, asked to speak to someone outside of a call center, submitted forms online, etc. Only some of the fraudulent charges have been refunded and each month I deal with this because they won't stop XXXX from charging my card. I should not have to cancel my credit card because a merchant is wrongly charging my card. Shame on Barclays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated, my rights. 15 USC 1681 Section 602 Sates 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 an open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60586
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
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: On XX/XX/XXXX I was charged unauthorized charge of {$3000.00} on my credit card by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It was supposed to be charged after I get my order delivered. Order was never delivered and they charged me the {$3000.00} After two weeks of calling the vendor who charged me and not getting answers I contact my credit card company and submitted a dispute. Maybe after two week credit card company removed {$3000.00} charge. They called me on XX/XX/XXXX and XXXX XXXX. I picked up, but after them asking me my personal information ( date of birth and etc. ), I thought it was a scam call and hang up both times on them. They never tried me contact via email, or even mail, or called me again On XX/XX/XXXX of XXXX the {$3000.00} charge appeared on my credit card again. On XX/XX/XXXXXXXX per credit card company request I did submit submit fax to the credit card company stating that the charge is not authorized by me, that I never got good delivered. Since then I have been calling my credit card company and not getting any answers on my case status. {$3000.00} charge is still on my statement and I need to pay it in order not to pay interest rate charge charges. Last person I talked today, XX/XX/XXXX, asked me to submit paperwork again, after I told them I already faxed them, he said they still working on my case, which I think he was not telling the truth. I called again and the next person hang up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60610
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 1.I have never had an account with this company BARCLAYS BANK DELAWARE , REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are BARCLAYS BANK DELAWARE the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37129
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A