Date Received: 2023-03-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My Barclay Banana Republic Mastercard had many unauthorized charges since middle year of XXXX. I called Barclay immediately as soon as I found out the issue in XX/XX/XXXX. As requested by me, they closed my account on XX/XX/XXXX. Their dispute department followed on all the unauthorized transactions, and resolved my issue by XX/XX/XXXX. My balance on XX/XX/XXXX was {$0.00}. By XX/XX/XXXX, I received credit card statement from Barclay which showed that my account was charged for {$60.00} by merchant named " XXXX XXXX XXXX XXXX, XXXX '' on XX/XX/XXXX. On my XX/XX/XXXX statement from Barclay, it showed transaction of {$60.00} credit by merchant, " XXXX XXXX XXXX XXXX, XXXX '' on XX/XX/XXXX. My balance was {$0.00} as of XX/XX/XXXX. On XX/XX/XXXX, I received statement from Barclay, which showed a transaction on XX/XX/XXXX of {$33.00} purchase by merchant named " XXXX XXXX ''. My balance on the XXXX statement was {$33.00}. I immediately called the Barclay 's customer service in XXXX, XXXX, and filed dispute for the charge of {$33.00}, since it was not authorized by me, and the fact that my account was closed. On XXXX XXXX, XXXX, I received statement from Barclay which had balance of {$65.00}. On the same statement, on XX/XX/XXXX, there was transaction of " Late Payment Fee '' of {$30.00}. In addition of XX/XX/XXXX, translation of " MINIMUM CHARGE '' of {$2.00} on the same statement in XXXX, XXXX. I called Barclay 's customer service on XX/XX/XXXX to file dispute of additional charges and reminder of previous XXXX, XXXX unauthorized charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36695
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
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 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 an 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 any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90303
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX my XXXX XXXX issued by Barclays Bank account ending in XXXX ( I dont know what the full number was ) was stolen. I reported the card stolen the same day XXXX XXXX the representative for Barclays said they would issue me a new card. At this time the representative never asked if I was aware of any purchases that might be suspicious and I was unaware as all banking is done on line. I made a police report to the local police in XXXX XXXX Pa where the thief occurred. Not long after I received my online statement from Barclays Bank showing a charge of {$850.00} made at a XXXX in XXXX Pa and a charge of {$500.00} at a XXXX XXXX XXXX on XX/XX/XXXX the day of the theft. I called Barclays and was told by the representative that I didnt report the charges as fraud in a timely matter and they would have to investigate she also stated that I would receive a letter from Barclays regarding the investigation. I just received a letter from them XXXX XXXX and this was a pending investigation that had to go through two complete billing cycles from the date of suspicious activity was reported. In a prior phone call the representative suggested faxing the police report to their headquarters in XXXX Delaware however their numbers for Delaware route you to their overseas ( somewhere ) representative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18901
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: Someone opended an account. Identity Theft. Your website makes reporting this a nightmare. XXXX will not remove this account, unless you tell them to!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 863XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XXXX XX/XX/XXXX, XXXX XXXX Bank made a digital transfer of {$10000.00} to Barclay Bank Delaware. The XXXX XXXX statement dated XXXX XX/XX/XXXX - XXXX XX/XX/XXXX reflects a transmission date of XXXX XX/XX/XXXX and a posted date of XXXX XX/XX/XXXX. Barclay bank statement dated XX/XX/XXXX - XX/XX/XXXX shows receipt of funds on XXXX XX/XX/XXXX, and declared a XXXX balance on the Barclay credit card. The following month 's statement, showed the payment, but the account balance was back to the amount as if no payment had been received. Barclay declared that the digital transfer of funds was being treated as provisional. Since that time Barclay has insisted that no payment transfer has been received and that I have to provide all digital transfer information as proof of payment. Starting in XXXX, I provided copies of my XXXX XXXX Bank statements to Barclay and was informed that they were not good enough to provide proof of payment. Numerous attempts have been made to fax Barclay Bank digital information. I am attaching a chronological sequence of events of all contact with both Barclay Bank and XXXX XXXX showing the numerous phone calls and interactions that are still on going.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 273XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I set up direct debit to pay off my monthly statement on my Barclays, XXXX XXXX credit card. The XXXX statement was for roughly {$7000.00}. When Barclays debited my bang account, they debited {$9800.00}. They did not apply a return ( which was returned to XXXX XXXX on XX/XX/XXXX for {$3600.00}. When I called them and apply the {$2800.00} to my bank account they said they couldn't and that they would have to mail me a check ( complicated by the fact I had just moved and did not have the correct address on file ). I called my XXXX XXXX bank to complain and they backed out the entire transaction ( what Barclays said they couldn't do ). The complaint is I set up bill pay to bring the balance to {$0.00} for the month. Barclays in essence overdrew my account {$2800.00} ( pulling {$9800.00} ) for a statement that showed I owed roughly {$7000.00}. Clearly I was not expecting this since no credit card I have ever had has done this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94596
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent the company a letter to request validation of debt last XX/XX/2022 but until now, I haven't received anything from them. I really need help with this matter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85353
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To whom this may concern, I am writing this complaint to express my tremendous financial distress that I have been facing due to the car accident I had on XX/XX/2022. As a result of the accident, I have had to deal with various issues that have affected my health, finances, and credit score. Unfortunately, I have also been forced to deal with the consequences of the delinquencies on my auto loan and credit cards from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and Barclays. I am highly disappointed that XXXX XXXX XXXX failed to inform me of my outstanding auto loan balance, which resulted in delinquencies on my account. My XXXX XXXX XXXX Adjuster/Claims Resolution Representative, XXXX XXXX XXXX informed me that I would have the option to add the remaining balance to my new auto loan once the claim was settled. However, I did not receive any notification to make a payment on the account to prevent any delinquencies from occurring. As a result, my credit score has been negatively affected, which has brought me further financial distress. Furthermore, Despite my efforts to stay current on my payments, my credit score has dropped from a XXXX to a XXXX, and I have had 5 missed payments on my credit cards. My income has taken a massive hit since the accident, as my business has only generated {$8000.00} between now and XX/XX/2022, compared to the {$10000.00} a month gross income I was making before the accident. The back and neck soreness that I am experiencing has further added to my physical and financial burden. To make matters worse, I was not informed by my insurance company that I was supposed to show up to the arbitration hearing, which they later settled for XXXX XXXX leaning our way which I believed if I was there it would've been 100 %. I urge you to take my complaint seriously and to take the necessary steps to rectify this situation. I look forward to hearing back from you with a positive resolution. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75040
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: An account with XXXX XXXX was opened without my permission, the company is attached to a credit card from the Barclays Bank of Delaware both accounts are reporting on my credit, I don't have any business with either company I haven't used any services or credit from either company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34142
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: During a Timeshare presentation on XX/XX/2023 at XXXX XXXX. The sales consultant I sat with for 9 hours used predatory lending practices on me. I arrived at my XXXX XXXX appointment to ONLY listen to the presentation with the intentions to not purchase anything. As soon as I sat down with XXXX, I told her I was unemployed, my dad had just passed away and I wasn't buying anything. She went on and on asking me about my upbringing, my personal relationships with my sisters and my children. She told me that she she's herself in me. I'm afraid to live, she stated how us XXXX people live in fear and don't want to take chances and invest in real estate. She stated that purchasing a timeshare would allow me to own real estate, I will receive a deed and I can pass it down to my children. Out of nowhere the man who gave the presentation rushed over, gave me tissue and started talking about how I can use the timeshare as an XXXX and generate income. I believe he the one ran my name for the credit card because he commended me on my credit score. I've never heard of Barclays Bank. There is no reason for me to need a Barclay 's credit card. This account is not mine. I explained to XXXX that I could not afford a timeshare and that was not a smart investment. After sitting with her for 9 hours, she called a friend of hers & told him, " I found your wife! '' She also invited me on a trip to XXXX. We mostly talked about my personal life. I still don't quite understand timeshare and I most certainly didn't sign up for a credit card. XXXX used predatory lending practices. She dug deep into my pain, and used that to prey on me and my emotions. I felt as though I was in a therapy session revealing my skeletons and talking about my childhood and broken relationships. I've emailed. I've called, I've also disputed this credit card with all three credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30314
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A