Date Received: 2023-03-12
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I emailed XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 and asked them to not call, email, or text me. On XX/XX/2023 at XXXX XXXX XXXX I received a voicemail from a XXXX XXXX ( sp? ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 431XX
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: An account with Barclays opened on XX/XX/XXXX is showing up on my account. I am disputing the validity of this account due to the number of inaccuracies found. In XXXX, both XXXX and XXXX are showing the account in good status for all 12 months. However in XXXX, there was a 30 and 60 days past due for the month of XXXX and XXXX. Last report for this account was in XX/XX/XXXX and the account was reported 120 days past due at XXXX while XXXX was still being reported up til XX/XX/XXXX where the account was reported as charged off, and 120 days past due in XX/XX/XXXX for XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02048
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: XXXX - received promotional offer of " XXXX Fun Points '' after first purchase ( which equates to {$200.00} ) AND a {$200.00} statement credit after {$400.00} of purchases made XXXX - Got accepted for credit card XXXX - met both requirements and received the Fun Points XX/XX/23 - recieved statement and the statement credit was not applied XX/XX/23 - called customer service and was told they have no record of that promotion and refused to offer the credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02720
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I have a Mastercard credit card that has rental car protection as benefit. I traveled to XXXX and XXXX XXXX and rented a car. The car upon return had a minor damage for which I was charged {$150.00} extra by XXXX XXXX XXXX. I filed claimed to Mastercard on XX/XX/XXXX and sent them with all the required documents. I have been following up since last 4 months and every time I call the Mastercard claim department, I get to hear that they are working on the claim. The last call I made was on XXXX XX/XX/XXXX and I was told that the claim was expedited and I would hear back in 24-48 hours. This period of 48 hours is also passed and I did not hear anything from Mastercard in email or phone. With no options, I would like to file a complaint against Mastercard for not providing the service they have offered while signing up for this Credit Card. I can provide more information upon request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29615
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX I received a letter in the mail from my Barclay AA Aviator card that said its required to collect more information about my identity. The letter asked me to send a utility bill statement, a copy of my social security card front and bank and a copy of a government id, also front and back. If I were not to comply with this request they will place my account on hold. The letter instructs me to send this information via mail or fax. I reached out to Barclays to better understand this request and they stated that I need to comply due to the Patriot act that requires I confirm my identity. I explained that I have major concerns with sending my personal information via mail of fax as this poses a risk that my information can be intercepted and open me up for identity theft. In my opinion the proper way to request this information is for Barclays to provide me with a secure link either via their app, or web portal that allows for my information to be sent encrypted and ensures all consumers information is protected. Customer Service stated that there is nothing they can do that I either comply or loss access to my card. I have had this card for almost a year and have spent close to $ XXXX and currently do not have a balance. Its unreasonable in 2023 to ask a consumer to send their personal information with a secure mechanism in place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These intuition ran my credit without my permission. In accordance with the fair credit reporting act .15USC 1681 they violated my federally protected consumer right to privacy and confidentiality. I need these inquiries removed off my report. They are negative reflecting my chapter. other intuition review my history to see if I'm an responsible candidate for their intuition and these hard inquiries were made without my written permission / or consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19130
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account has violated my rights 15 USC 1681 Section 602 States 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 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. 15 USC 1666B : A credit plan as late for on purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
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 contacted by phone by a scammer XX/XX/XXXX. I fell for the scam and provided my card information to them for the amount of {$1900.00}. After researching this merchant, I determined it was a scam and contacted my credit card company by mid XX/XX/XXXX. Initially they reversed the transaction but then since the merchant provided the information they applied it again. I called several times and was told that it was improperly filed as a fraud and could no longer be filed as a dispute. I have mailed emails and provided information this exact scam being on the XXXX. I have requested recording of the phone calls I have had because I am not the one who sent it to the fraud department. I have consistently been told to contact the merchant, a scammer does not care and wont refund the money although I have requested them to as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31909
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX there was a credit inquiry done on XXXX by XXXX XXXX and this is fraudulent. I never applied for a loan or a credit card. On XX/XX/XXXX there was a credit inquiry done on XXXX by Barclays Bank of Delaware. I never applied for a loan or a credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: The week of XXXX, XX/XX/XXXX I was in XXXX XXXX staying with friends at a Wyndham Resort. The staff talked us into attending a 90 minute timeshare during which our representative asked my husband and I for some financial information so that he could determine how many points we might be eligible to buy as well as what our down payment amount would be for the purchase of those points. The following week I received a Wyndham Rewards Visa credit card in the mail with a total credit line of {$19000.00} ( as well as a XXXX XXXXXXXX Line of Credit Account with a credit limit of {$10000.00} ). I was able to get both of these accounts closed immediately upon becoming aware that they had been opened in my name. I called to file a complaint with Wyndham and was transferred to 8 different phone numbers over the course of several days. When I was finally able to file a complaint ( case # XXXX ) I was told that it would be handled internally and I would not be made aware of the resolution. I never gave authorization to open either of these accounts. I have impeccable credit and now have a hard inquiry on my credit report ( when we were assured it would be a soft inquiry and only for purposes of determining our eligibility for purchasing timeshare points. I monitor my credit closely and have declined credit limit increases for cards/accounts I already own. I would never agree to opening up almost $ XXXX of available credit! When I searched consumer reviews of Wyndham there were hundreds of complaints all basically telling the same story I have and it seems nothing is being done. I have worked in XXXX XXXX for many years and this is fraud/misrepresentation and a UDAAP if I've ever seen one. Please help me and so many others get justice from Wyndham who seems to think being out of regulatory compliance is an acceptable way to conduct business. Thank You for your time!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A