Date Received: 2023-03-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened online Saving and CD accounts from Barclays. I was able link my XXXX XXXX XXXX with their external bank links to fund the savings and CD account. Once the external bank link is established and verified, Barclays initiated the ACH transfer for {$15000.00} in total to fund both accounts. However, they locked my online account access after the money was transferred. I called and they told me that the account is locked for pending verification with external bank linkage. And asked me to send them the most recent statements for my linked banks. I sent my bank statement from XXXX and XXXX XXXX to them. Even after I sent it, the account still remain unaccessible, I called back and was told I have to wait up to 7 business days to access my money online. They were able to pull my money from XXXX bank and only do this full locking after they receive the fund. They do not allow me to speak to the security department who locks my account access without any notification
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94568
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: we were due to cruise when covid happened. we left the monies on the account with XXXX. ruises until we discovered that we could only cruise if we had the vaccine. we then adked for a refund from XXXX XXXX line. they did the refund in 4 transactions and i spent hours and days over 2+years trying to locate the money. when i finally found that XXXX XXXX had refunded it and contacted Barclay bank and gave them dates and transaction numbers, that should have been the end of it. 3 months later and many hours of phone time later, and > I still dont have my money refunded and today alone was told that it would be the XXXX of XXXX and then the XXXX of XXXX. Good frief, they cant even get their lies straight! Can I get help getting my money and, can I charge them interest on the monies held?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: THIS COMPANY IS IN VIOLATION OF MY RIGHTS AS A CONSUMER. DURING THE INVESTIGATION OF A DISPUTED ITEM ON MY CREDIT REPORT IT IS THE DUTY OF THE COMPANY REPORTING THE POTENTIAL ERROR TO REMOVE THE IDENTIFIED DISPUTED ITEM UNTIL AN INVESTIGATION IS COMPLETE. I RECEIVED A CREDIT REPORT SHOWING THAT THIS IS NOT THE CASE AND THAT THIS ITEM IS CURRENTLY STILL BEING REPORTED. THIS VIOLATES MY RIGHTS. IN ADDITION TO THIS I DID NOT CONSENT TO BEING COMMUNICATED WITH VIA EMAIL OR TELEPHONE BUT THIS COMPANY HAS REPEATEDLY SENT ME EMAIL AND PHONE CORRESPONDENCES. I SPECIFICALLY STATE IN MY DEBT VALIDATION LETTER TO ONLY CONSENT TO BEING CONTACTED VIA MAIL. THERE HAVE BEEN SEVERAL VIOLATIONS ON THE PART OF THIS COMPANY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92345
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To my knowledge , I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33610
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
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: A Charge Off from Barclays Bank Delaware for the amount of {$2100.00} is negatively affecting my credit report. I have filed several disputes and no resolution has been made. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or outdated. I am exercising this right to dispute the charge off on my credit report. According to my records, the debt collection practices that have been conducted on my account are in violation of the FDCPA, specifically the provisions outlined in 15 U.S.C. 1692 et seq., as well as the provisions outlined in the FCRA, specifically 15 U.S.C. 1681. I would like to bring to your attention that under the FDCPA, debt collectors are prohibited from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. Additionally, under the FCRA, credit reporting agencies are required to maintain accurate and complete records. Furthermore, under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 USC 6801, credit bureaus are required to maintain the accuracy and integrity of the information they report. The charge off on my credit report does not meet this requirement. In addition, I would like to bring to your attention that charge offs are considered gross and ordinary income under the Internal Revenue Code, and as such, should be reported as such on Form 1099-C by the creditor. Failure to issue a 1099-C for the charge off may result in penalties for the creditor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: The issue is clearly laid out in the communication below, to Barclay 's, the bank in question. This, and the supporting documents ( enclosed ) were sent as a last resort in a certified letter on XX/XX/XXXX, return receipt requested. I do have proof of said delivery ( also in the attached documents ) yet nobody has reached out to resolve this. Here is the sequence of events as laid out to Barclays ( for the seventh time )... ******************************************************* XX/XX/XXXX Per accounts ending in XXXX, XXXX, and XXXX To Whom it May Concern, This is my final attempt to resolve an issue for which Ive now clocked over a dozen hours over the last year and spoken with your resolution team at least five times. In each case, I was assured by the agent with whom I spoke that the issue was understood to be an error on your part, and that a correction would be made both to my account and to my credit score, which youve been damaging over the last year. Here is the history of this issue, laid out as clearly as I have done with several of your agents, all of whom promised to resolve it, though followed by the same form letter Ive received from you after each attempt at resolution ; see attached. XX/XX/XXXX : I became aware that someone had opened an account in my name, ending in XXXX. This card was not opened by me, and there were no valid charges to it. Your investigators acknowledged my lack of culpability in letters dated XX/XX/XXXX and XX/XX/XXXX ; see enclosed. XX/XX/XXXX : The identity thief, becoming aware of the investigation, opened another account in my name ending in XXXX. None of the data used for that card was accurate, as the perpetrator claimed the new card was because of fraud, and you issued them that card with billing to another address, email, etc not mine. XXXX XXXX : After becoming aware of damage to my credit history, I contacted your company four more times, and in each case was told that the balance on XXXX represented late fees and penalties carried over from the previous fraudulent account, XXXX, which you closed after investigation, and relieved me of responsibility for any charges. Therefore, all the charges on XXXX should have likewise been erased from my history, yet you continued to : 1. Bill me monthly ( although I was unaware of this as the bills went to a different address ) XXXX. Hold me responsible for fees associated with fraudulent activity on the previous card XXXX. Report me to the credit bureau Ive enclosed a couple of the letters, all identical, in which you ignore the verbal resolution I got from your customer service team and continue to justify your position that the information is accurate. These are clearly form letters which speak to your not taking our communication seriously. XX/XX/XXXX : I receive my first statement in a year for an AA Advantage card ending in XXXX. I never had a card with that number, and in reading the statement, its clear that youve been deducting charges from its balance for well over a year. I can only surmise that this card is yet another incarnation of the original one, with all its charges being associated with purchases I never made. This statement is enclosed, and again, its not mine. What needs to happen now : XXXX. I need a retraction to your 5+ form letters ignoring verbal resolutions from your staff XXXX. I need proof that youve reported your error to XXXX and repaired my credit XXXX. I need an apology for the stress and time youve cost me over the last nine months. What happens if this isnt resolved in the next 30 days : XXXX. I will be in touch with Consumer Financial Protection Bureau to file a formal complaint. XXXX. I will speak with my attorney about possible civil litigation against your bank. I trust that my frustration as well as my intention to get satisfaction have now been clearly communicated. I await your timely reply and the final resolution of this remarkably mismanaged issue. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VT XXXX XXXX XXXX XXXX ****************************************************** Again, I've had no response to this letter sent over a week ago along with the enclosed documents. *The last enclosed document is a screenshot of one page from my XXXX XXXXXXXX XXXX history. I've had about ten of these, all initiated by Barclays against this erroneous account issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Didn't own that account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: First the credit card company has been wonderful about trying to resolve this complaint. The problem is XXXX XXXX refusal to admit to incorrectly force me to purchase another ticket in order to fly. XXXX XXXX shares with XXXX where I purchased XXXX tickets from XXXX, FL to XXXX, XXXX on XX/XX/2022 for travel on XXXX XXXXXXXX XXXX Everything seemed fine, including a valid PNR in my XXXX account to this day. Seat assignments email reminders were sent and acted upon with no problem. Upon arrival at the airport we were told that my wife 's ticket had been voided. We stood at the ticket counter for 3 hours XXXX told us that we would have to purchase another ticket. Since it was 45 minutes before the flight, we had no choice but to do so for {$850.00}. There was nothing in the computer in my XXXX PNR nor as of XXXX XXXX on the XXXX PNR. How would a ticket voided on XX/XX/XXXX remain valid in both airline systems to this very day. Additionally, XXXX did not issue the ticket until XX/XX/XXXX. Both PNR 's are attached. XXXX does not maintain a customer service line and the only available communication is by chat. You can see that the agent in the chat, admits holding the ticket in question not as void but as 'not flown '. XXXX insisted i resolve the issue with XXXX. XXXX, though, issued the new ticket as a XXXX ticket not as a XXXX ticket and therefore the new ticket was the property of XXXX. My credit card company has tried twice to get XXXX to refund the {$850.00}, to no avail. I have never heard from XXXX or XXXX outside of the initial chat session. They document to my credit card company that the ticket was " VOIDED DUE TO REASONS UNKNOWN ''. How does that hold up anywhere. They don't know why the ticket was voided after 8 months time. Credit card company has all documents
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32250
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My account went to collections and I paid it to XXXX. Barclays Bank Delaware and the collection agency is XXXX XXXX XXXX. I sent a copy of the XXXX balance letter to XXXX and it is still showing on my credit report as potentially negative with a {$0.00} balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I became an authorized user on my late mother 's small credit card account with Barclay Bank prior to her death in XXXX. After her death I cut up and returned the cards I had in my possession with notification of her death included and asked the accounts be closed. The accounts continued to stay open. I wrote and and called to close the account repeatedly. It remained open. The cards were not used and for several years I paid the yearly fee in order to not hurt my credit as the creditor refused to follow my request to close the account. Finally in XXXX I called once again explaining that my mother had been deceased six years while they continued to keep this account opened. I was assured that the accounts would be closed and the yearly fee cancelled. In both XX/XX/XXXX and XX/XX/XXXX, this account was reported on my credit report with a 30 day late notice for the yearly fee ( they are also trying to collect a yearly fee for an account closed by them ) after I requested the prior month and for the previous six years that the account that was not used and was in a deceased person 's name, be closed. The creditor then closed the account and referred it to a collection agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28803
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A