Date Received: 2023-03-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Fraudulent charges and the credit card company refused to remove them. The charges are highly suspicious. I had a XXXX balance and can not remember the last time I used this card. The type of charges and frequency should have been picked up by the algorithm they use for security. I reported a card missing, immediately closed my account and filed a Sherrifs report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91354
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
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 hard inquiry from Barclays Bank Delaware stating that they received my information for a new installment loan or a new bank account inquiry. I havent apply for anything with this company recently and I tried to contact them with the phone numbers provided in my credit report and the phone numbers that I called didnt work.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 984XX
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: 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 signed up for a navyist rewards card for old navy at a location in XXXX on XX/XX/XXXX, I was told that there would not be any interest or other charges on it unless I made a purchase. I never received the card and didnt think about it until I noticed on my credit statement that I lost XXXX points due to an outstanding charge of {$29.00} that was increased by {$200.00} on XX/XX/XXXX to a total of {$230.00} I called Barclays in late XX/XX/XXXX or early XX/XX/XXXX and filed a fraud report and asked them to cancel the credit card, they told me I would get a call regarding my report in 2-3 weeks, I waited 4 weeks and called them mid XXXX to check on the status of my report, they redirected me to someone who asked for my credit card information, I told them I never received the card and that I was calling to check on the status of my report, they told me they couldnt do anything without my card number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 356XX
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have contacted XXXX on many diffrent occasions and nothing has been done about the fraudulent inquires that are on my credit reports I have sent them detailed information such as police reports, FTC reports and nothing has been done the Inquires need to be removed due to the I have disputed these inquiries as lacking permissible purpose and being unverified, yet you have failed to respond within the 30 day period allowed under the FCRA. As I have previously stated, I contacted the companies myself and have been unable to get them to verify that they possess any evidence of permissible purpose or authorization to check my credit these inquest need to be removed as they are fraudulent inquires [ 15 U.S.C. 1681 ] these need to be blocked from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 773XX
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: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment of {$14000.00} to my Barclays Credit card via cashier 's check. Barclays cashed the check but did not credit my account for the payment. I contacted Barclays regarding the issue. They stated it takes 24 to 48 hours for the payment to post to my account. After waiting 3 days, I contacted Barclays again regarding the issue. I was then informed that it takes 7 days instead of 48 hours for the payment to clear. Today is day 8, and still, no payment posted to the account. Again I contacted Barclays to request an email where I can submit a copy of the canceled check, and after being on the phone for an hour+ I was told that it might take 2 billing cycles for them to finish the investigation I started on XX/XX/XXXX. I requested an email or a supervisor above the person whom I spoke to she apologized and said there is no one above her and put me on hold, after a couple of minutes the called was dropped.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06108
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have a barclays master card for a while now with a credit limit of XXXX and now in XXXX of XXXX they lower my credit limit to XXXX and I called to ask them why and I was told they were concerned that i have to many high revolving credit limits and that is why they lowered my limit. at the beginning of the year i started to pay down the card from XXXX to XXXX now in XXXX they dropped it down to XXXX which now is back at a high revolving credit limit keeping my credit score down. I have even told my wife that this is the year that we pay down all the cards. barclays is telling me that i can't pay my bills, they are running my credit score without my permission. i have never been late on any of my bills. since when does a credit card company dictate on what you can and can not do. I just got an increase on two of my cards this past month alone without asking but i have not used them. I have my credit locked and i don't see how they can see my credit file. if i have to i will take legal action because this does not sound right at all. i can't believe a credit card company can say we don't believe you can make your payments when in fact i have been making my payments on time and never late. what barclay just did was to steal the money that i paid to them when they lowered my credit limit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 799XX
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: 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/2022 I attended an event said to be a XXXX XXXX XXXX meeting in XXXX XXXX. If my memory serves me correctly, it was a property resort owned by Wyndham. I along with my girlfriend attended this meeting that was promised not to be a timeshare, but XXXX XXXX. During the process, I placed a {$50.00} deposit using my regions bankcard that somehow was never charged. I was firm about the amount of {$50.00} and never gave permission for a fraudulent charge of {$4600.00} to a Barclays Wyndham Reward credit card. I was told that my credit score automatically got me approved for a card. i was never told or explained to that the company was not accepting my original {$50.00} payment, I was not informed or aware nor did i agree with any other amount or balance being transferred to a credit card that i did not apply for but was told that i was awarded a card. The representatives acted in an unethical manner and scammed my information. On XX/XX/2022, my girlfriend and I completed a rescission on the contact. On XX/XX/2022, I received notification from employee XXXX XXXX that the rescission was approved. Her company 's email address is XXXX. However, we have been contacted by another representative who had us to forward all of the information to him to assist us with another complaint stating that the rescission never happened. We are not responsible for the incompetent or malicious acts of unethical employees. We have been getting the runaround. The salespeople acted unethically and committed fraud. They used dishonest tactics and manipulation trying to force a scam. A call was also made to the credit card company to report credit card fraud. The company is withdrawing the monthly payment from the regions bankcard which on a {$50.00} down payment was authorized, but put the unauthorized balance on their credit card which is being done fraudulently and part of a scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38637
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am writing to dispute a charge of {$8000.00} to credit card account ending in XXXX on XX/XX/2023. The charge is in error because I didnt authorize the transaction, nor did I apply for this card. I have a Barclay carnival card that I have had for years and I have not used it, so there is no need for a new Barclay card. As I explained to the representative that I spoke with on the XXXX of XXXX while in XXXX my purse was stolen, and my personal information was in my purse. I have not purchased any items nor have I benefitted from this transaction
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
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: This began in XXXX of 2021 and I was going back and forth with my CC company for the past year plus. Please find enclosed documentation proving a fraud occurred after credit card billing cycles were completed. It was not possible to report/dispute the charge prior to the two cycles as the furniture was not scheduled to arrive before that and communication was ongoing, with status updates during the delay for a period of time ( enclosed ). Once the communication seized, it was found out that the company based in Utah was investigated and found to be fraudulent. A XXXX XXXX arose from the dissatisfied people, as well as an email chain. Other banks, including credit unions and XXXX refunded their customers. Barclays continues to tell me I had to report this earlier. Again, how was I to know earlier ( within their guidelines ) that a fraud would occur after the fact? I am asking that Barclays refund my card for my initial deposit of {$3500.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85295
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 with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/XXXX, Barclays sent me a letter through the CFPB in response to a complaint about denial of credit. Barclays claims that a credit card account I opened in XXXX has an adverse reaction attached to it : " I confirmed with our Collection team that your US Airways/AAdvantage Aviator Red World Mastercard was part of a XXXX XXXX Bankruptcy filed on XX/XX/XXXX. '' The letter invited me to contact " XXXX '' through a phone number provided. I called " XXXX '' on XXXX XXXX and left a message. I called again on XXXX XXXX and left another message. No one ever answers the phone directly. The voicemail states that they will return the call within " 48 business hours. '' " XXXX '' called me and left a message on XXXX XXXX. I called her back on XXXX XXXX and left another message. I have not heard from " XXXX '' or anyone else at Barclays since then. My complaint is this : Barclays has erroneous information attached to my account information in their files. I have never had a bankruptcy of any kind. It is curious to me that they claim that I have, when none of my credit reports show ANY adverse reports, let alone a bankruptcy. Barclays clearly isn't interested in responding to consumer inquiries or providing a mechanism for correcting information in their files. They only accept voice mails, and then many days pass before returning a call, if at all. They have never provided details of the bankruptcy they claim, such as where it was filed and so forth. They do not seem to be interested in the least in working with me to correct their information, or short of that even speaking with me about the situation. Though this information is incorrect, and obviously so, that it is in their files concerns me that the error may spread to other databases if it is not corrected now. I'm disappointed in Barclays ' lack of customer service and the run-around they give by providing a phone number that no one ever answers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66604
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A