Date Received: 2023-03-24
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: If you look at my account in XXXX, I had a XXXX balance. In XXXX somebody had found my card and decided to use it without my knowledge without my permission. I am mediately called you. I reported every transaction in XXXX. Let me repeat that I reported every single transaction in XXXX as fraud. I was told not to worry about it you had marked everything is fraud and you were going to investigate. Two months later I received a letter from you stating that the fraud investigation had been resolved and Im not responsible for anything. For some reason I have a balance of {$2400.00}. You have been charging me interest for the fraudulent transactions which Im pretty sure its against the law. Youve also charged me the late payments for the fraudulent transactions again pretty sure thats against the law. Im not sure if youve increased my APR or not to a penalty rate because you claim I am behind. First time I called today I was speaking with a woman. I explained that I had a XXXX balance. Then I had fraudulent charges after they were investigated. I should have a XXXX balance, but I dont for some reason. She put me on hold and then hung up on me. I called back. I got a gentleman this time who was clearly confused by what I was saying. It seems so simple. Its obvious that you have not credited for me and I shouldnt be charged interest in late fees on a fraud investigation. He put me on hold multiple times then tells me I should contact customer service keeping in mind that I spoke with customer service and they were the one that transferred me to the fraud department. The fraud department wanted to transfer me back to customer service. The automated system said that the call is being recorded and monitored or maybe the agent said it was being recorded and monitored. If thats actually true, you should go back and listen to this conversation. Im being is polite as patient as simple as I can be, and Im clearly confusing the guy With all due how did this guy get his job? Hes really nice but clearly is clueless as to what hes doing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2023 I received a notification that there was an inquiry on my XXXX made on XX/XX/2023. I checked the notification and it was for a FRONTIER Airlines World Mastercard account from BARCLAYS BANK DELAWARE. I received an email with further information despite not having signed up for any such account whatsoever.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60626
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Barclays credit card charge me for services wrongfully applied. I have tried to resolve the problem since XX/XX/2022. I have been verbally abused and even disconnected various time. I have also called and spoken to various employees from XXXX XXXX XXXX XXXX XXXX and from cfpb.gov/debt-collection and nothing has been done. It has been 9 months and Im still being harassed by the credit card company and being charged late fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33125
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I discovered in early XXXX that Barclays Bank had been sending my rewards points from my Visa Card to an account that I had closed years before I opened a the account with Barclays, and that Wyndham Rewards did nothing to correct the error. Since late XX/XX/XXXX, I have contacted Barclays or Wyndham some 12 times by either phone or email and have been sent from the one to the other several times without resolution of the problem. As of late, they have stopped responding to me altogether. The only change that has been made is that Wyndham Rewards opened a new account in my name and the Barclays card points from XXXX XXXX forward have been credited to this account. Much to my consternation, Wyndham rewards still won't credit to me the XXXX points that have been sent to them by Barclays, and Barclays will likewise do nothing to correct their error. The points number was the total from all the Barclays ' Visa Card statements that I have from the opening of the account in XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45237
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/2023 BARCLAYS BANK DELAWARE, XXXX XXXX XXXX, XXXX, DE, XXXX, ( XXXX ) XXXX, made an unauthorized fraudulent credit inquiry thru XXXX XXXX, and on XX/XX/2023 opened an unauthorized fraudulent carnival XXXX master card account using my personal information without my knowledge or consent, they appeared to have stolen my personal information to open a fraudulent carnival XXXX master card account for {$8000.00} I only got this information from them thru a phone call.
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: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: in XXXX, My dad fell for a credit card stacking scam from a company called XXXX XXXX XXXX, which the FTC shut down in XXXX for the credit card stacking scam. He forced me to sign an agreement with XXXX XXXX to obtain business credit. UNBEKNOWNST to us, XXXX XXXX and XXXX XXXX LIED and misrepresented themselves. XXXX XXXX applied for PERSONAL credit cards after INFLATING my income. My gullible father, a senior citizen, never received a copy of the application. XXXX XXXX applied for multiple credit cards in my name without my knowledge. I DID NOT apply for ANY card on my own. I have no idea what information they wrote in the applications. My dad was named an authorized user according to Barclays. My dad made payments on all cards until XXXX when all of a sudden he wasn't able to do so. My credit was ruined as a result of this scam. I have spent YEARS settling with some of the companies. XXXX XXXX did a real investigation and found evidence of fraud. Barclays alleges that I lived in North Carolina and since end of XXXX, I have been disputing this as well as the fact that this card was even mine to begin with. I only discovered the scam at the end of XXXX. I was not even aware that they had a XXXX phone number for me until just a few months ago. I have sent multiple letters and have been working with a credit repair company since XX/XX/XXXX. I have sent multiple letters for the past several months. Barclays claims it is investigating yet no one is able to answer my questions as to why they continuously report a North Carolina address to the credit bureaus or why they claim my dad was an authorized user when I didn't even apply for this card. Barclays ' response is to send me automatic generated letters claiming they did an investigation with no evidence of an investigation. Barclays has yet to prove how they verified my address and income during the application process when a true verification would have confirmed that the income and employment information was inflated and false. It is clear to me that Barclays did not verify any information during the application approval process and I suspect strongly that Barclays, along with XXXX, XXXX XXXX XXXX and other banks that XXXX XXXX applied for cards with, received some form of kickback from XXXX XXXX for automatically approving applications without verifying the information. True due diligence would have confirmed that I was living in NJ at the time and working in XXXX and that my income could not possibly have qualified me for a {$15000.00} credit card let alone over {$90000.00} as the email from XXXX shows XXXX Barclays can't seem to prove where they are getting their information from.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22202
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
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 XXXX XXXX card was charged my card a down payment of {$5800.00} for a resort. However, the contract was found not to be legally binding because they forgot one document that needed signing. After several months of emailing, the resort has agreed that the contract isn't legally binding and will remove the XXXX from my credit. Both Barclay and the resort have dropped my credit score almost 300 points.I contacted Barclay on XX/XX/XXXX. As of today XX/XX/XXXX, I have not received any response. It's passed two billing cycles. The resort claimed they would resolve the issue. It's been three months waiting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : BARCLAYS BANK DELAWARE Account number XXXX, Account name : XXXX XXXXXXXX Account number XXXX, Account name : XXXXXXXX XXXX Account number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
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: Barclays refuses to change the credit report over XXXX dollars. When I called Barclays to pay this overdue XXXX dollars in XXXX, I was told when I called in XXXX that I did not owe XXXX Dollars and that my previous payment made the account current. Thus how can I be marked 30 days late on something I have tried multiple times to pay and resolve? Barclays insists on running my credit over XXXX dollars because they will not admit they made a mistake. Why would someone who has made every payment on time suddenly miss one month 's pay for {$37.00}? Furthermore, Barclays removed the 30-day late reporting when the first dispute was filed, suddenly changed it to 60 days, and then back to 30 days. I am so baffled ; I need someone to accept my {$37.00} or take this 30 days late off my report. You can not refuse to take my money and report me 30 days late ; this is not fraud or retaliation because of being disputed. Furthermore, I consider it harassment and discriminatory treatment. Why would you do something to affect someone's credit for seven years by marking a payment 30 days past due over {$37.00}? Furthermore, the late amount never showed on any statement and did not reflect an overdue amount. When I called in XXXX to pay over the phone, I instructed the representative to pay the amount to create the account current TO AVOID 30 DAYS LATE. The representative stated that the amount due was approximately {$110.00}. I spent this and thought the report had been made 30 DAYS PAST DUE. I'm XXXX XXXX XXXX and a XXXX XXXX XXXX XXXXXXXX XXXX ; why would you insist on damaging a young adult 's credit for seven years until they are XXXX XXXX XXXX, all for XXXX dollars? Common sense, why would someone make a payment and randomly not pay XXXX dollars of the due amount? Please do the right thing, remove it from the credit report, and let us proceed. Or please tell me why you feel it necessary to ruin a XXXX military dependent and XXXX XXXX who is a XXXX XXXX XXXX and worked many hours in XXXX on COVID units putting my own life at risk for the service of others. Now you want to ruin my credit over {$37.00} ; why? Perhaps this was a simple miscommunication, or the information was misunderstood. It happens, so let 's fix the issue and move along, please fix the problem, and I will be happy to pay the amount of the card off and close the account, and never do business with Barclays again. Or please provide me a reason as to why you are insistent on reporting {$37.00} overdue. As big of a bank and organization as Barclays saying someone for {$37.00} for being 30 days late seems a little excessive for a company that made $ XXXX in XXXX, so was {$37.00} going to make or break the bank? Please let me know why this {$37.00} issue was escalated to the office of the president of Barclays, and yet still there is the insistence on this being on my credit report as punishment. Come on... you are better than that ... I will be happy to place this issue in the Court of public opinion ; I would be interested to see what other individuals think about a billion-dollar company coming after a XXXX, military dependent, public servant and health care professional for XXXX dollars, of which, by the way, again when I call your representatives, they still tell me I don't owe anything that there is no {$37.00} to pay, and further that " there was no {$37.00} overdue in XX/XX/XXXX, which I was told by three different account manager.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37043
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A