Date Received: 2023-03-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX, I received a call from a XXXX XXXX stating that he was from the Head Office of Visa/Mastercard Card Member Services . He identified my total credit card debt and offered a service which included a balance transfer. He stated that XXXX XXXX XXXX would arrange this. I was transferred to a Credit Advisor, XXXX XXXX at number XXXX. He explained the process and verified my personal information. I told him that I needed some time to think about this. He suggested that I give him a call on his direct line once I made a decision ( XXXX ). I called and left a voicemail stating that I did not want to move forward. On XX/XX/XXXX XXXX from, head quarters, verified that they received my voicemail but stated that once they start the process it can not be reversed. She claimed that they had a signed agreement from an XXXX phone on XX/XX/XXXX. I never signed anything and when I asked her to provide a copy, she stated that I need legal representation to get a copy of the call or the agreement. One of the cards they opened in my name was a JetBlue World Mastercard ending in XXXX with Barclays. In the meantime, I filed a report with the XXXX XXXX Police XXXX and an Identity Theft Report with the Federal Trade Commission. I provided copies of both to Barclays, XXXX and XXXX. Barclays conducted several investigations resulting in the original balance ( {$2600.00} ) being waived but the fees remained. These fees have left a negative flag on my credit report, thus impacting my credit score. XXXX XXXX XXXX has not been held accountable for the theft of my identity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone tried to open a credit card in my name with Barclays Bank. I called Barclays and let them know it was not me. They said they would close the account and recommended I also file a case with the FTC.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98125
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: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: BACKGROUND FACTS : Six months ago, [ XXXX XXXX ] I responded to an AARP Barclays Bank MasterCard promotion. I applied and was granted the Barclays Mastercard credit card. Then, to my surprise, I learned that somehow Barclays Bank, went into my XXXX XXXX XXXX account, and took out a {$200.00} transfer transaction, completely without my authorization. Barclays also charged the {$10.00} transfer fee. Note : I have a degree in Finance, with a year of XXXX XXXX, so with Barclays ' APR at 28 % there is no way XXXX XXXX XXXX XXXX I would proceed with a bank transfer at 28 %. Facts Continued : When I discovered this theft & fraud, I immediately closed the account, and called the Barclay 's Fraud department. At first, I talked to a very rude agent named XXXX who refused to help, giving excuse, after excuse and then refusing to transfer me to the fraud department, I eventually XXXX the information. Now, as of today, the {$210.00} has increased to {$400.00}, reported to the payments, while Barclays say they investigated and they saw nothing wrong. And I have no due process appeal rights. I will not be making any payments to the closed account. And I am filling a formal complaint with the Delaware AG 's office. VERY unhappy past Barclays customer. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46218
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: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account # 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75013
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
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: Barclays bank Athleta card. There is a {$650.00} amount showing from XXXX XXXX charges. I have never had XXXX XXXX and was told this was taken care of back in the late fall of XXXX. The charges continue to be on the account. I was told credits were issues and the balance on the account was {$0.00} ; however then I was told that there were all of the fees with penalties. I have been told many conflicting things and this continues to be a major source of frustration. If you can help I would greatly appreciate it. I have considered paying this in full but the charges are fraud and that feels wrong to do. It has caused me a lot of lost hours on the phone trying to figure it out and has caused a lot of undue mental stress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17406
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
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 had a Banana Republic Rewards Mastercard for many years. Around XX/XX/XXXX, I saw that a fraudulent charge for around {$82.00} was posted to my account. I realized I hadn't used the card anyway in months, so I called to have the fraudulent charge investigated and removed, and my account closed. The account was closed, but Barclay 's sent me a statement with the fraudulent charge still on it, along with late penalties and interest. I assumed it was a mistake or would resolve in another billing cycle or two. But, in XX/XX/XXXX, I received another statement with the same fraudulent charge and even more penalties/interest. I called and reported the fraud again, and was assured my account was still closed. I received a message confirming that the investigation concluded the original single charge was fraud, and that everything would clear in 1-2 business cycles. But in XXXX, I got another statement with the same charge and additional penalties/interest, and now debt collectors have been leaving me voicemails. I called again, and spent hours getting bounced around Barclays ' customer service departments, until finally someone said they could see notations in my closed account indicating that the charge was fraud, but they would have to open a new case to have the penalties/interest removed. Well, I just received another statement for the same " past due '' amounts. Barclays ' behavior is unlawful, fraudulent, predatory, and causing extreme inconvenience. I am worried about my credit score and debt record, which to date has been excellent. I don't have my credit card or full account number anymore, and I never had an online account. But Barclays will be able to identify me through the last four digits of the account, my contact information, and XXXX : XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am writing to you today to express my concerns regarding fraudulently furnished late payments that have been added to my credit report by your company. I have reason to believe that I am being extorted by your company, which is a serious violation of my right to privacy. As you may be aware, Congress has mandated that all financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The addition of these fraudulent late payments to my credit report has caused substantial harm and inconvenience to my financial reputation due to fraud, which undermines public confidence in the banking system. According to 15 U.S. Code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Additionally, I should have received a negative information notice no later than 15 days after the alleged debt was validated with me as the consumer. If your company can not provide proof that they lawfully validated this alleged debt with me before furnishing it on my consumer report, then it is my belief that this has been a fraudulently furnished late payment with forethought and malice intended to cause me harm. Please be advised that under 15 U.S. Code 6821, any false, fictitious, or fraudulent statement or representation to a customer of a financial institution is a violation of federal law and will be held liable under 15 U.S. Code 6823 ( a ), with fines up to {$500000.00} for a felony by an organization, imprisonment for five years, or both pursuant to 15 U.S. Code 6823 ( a ). I demand that these late payments be updated to PAID AS AGREED and that each late payment be deleted from my credit report immediately to prevent further harm to my financial reputation. I will consider any non-reasonable response as frivolous and will file a fault judgment in the favor of the interest of me, the consumer, the holder in due course, the attorney, and the administrator in fact. I am giving you 15 days from the date of delivery to respond to this notice. Failure to disclose requested documents SUCH AS all documents, papers, correspondence, books of account, and financial and corporate records. or provide a response to rectify any faults by Barclays will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions, and including stress caused to me in the attempt of exercising my rights in good faith. I expect you to handle this matter with ordinary care and address all subject matter. I thank you in advance for your anticipated quick cooperation on this important matter. Account XXXX : XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On my Barclays Gap Card statement ending XX/XX/XXXX I had a balance of {$680.00}. I have autopay setup for the balance of my statement, which paid the {$680.00} on XX/XX/XXXX. I had returned {$270.00} worth of items on XX/XX/XXXX. Upon my autopayment XX/XX/XXXX, I had a balance of {$270.00}. Knowing this, and needing this money to pay my rent, I called the number on my card on XX/XX/XXXX, spoke to an agent, and requested it be refunded to me. I told was that a payment via check in the mail would be sent to me in 5 or so business days. It has been 23 days and I have not been contacted by the company and also have not received this money.
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: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I never applied for a credit card with Barclays Bank This report on my credit file is incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Fl, XXXX SS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX I need you to investigate the following account : Account # XXXX XXXX XXXX XXXX Account Name : FRONTIER Airlines World Mastercard I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. Once you have finished your investigations, send me an updated credit LIVE report to the address stated above. Thank you, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33034
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A