Date Received: 2023-02-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I was been informed by XXXX that the referenced payments totaling {$5000.00} have been cleared and cashed by Williams SonmaXXXX Barclay and NOT transfer to new account Williams SonomaXXXX XXXX ( like the other payments had ). However, the five payments are not represented on the statements. True and correct copies of the statements for the periods in which the five above referenced payments were made to you are attached hereto, and incorporated herein. I call it the blame game, but I'm the biggest loser! I thought I only lost {$5000.00} but really the lose it is so much more! My story began in XXXX when I got a Williams Sonoma Visa Credit Card issued Barclay Card. In XXXX XXXX XXXX took over my credit card agreement with Barclay Card. In XX/XX/XXXX I was applying for a home loan and the lender stated that I needed to pay off the remaining balance on my Williams Sonoma credit card before funding in XX/XX/XXXX. I always made the payments the same way using bill pay via XXXX XXXX Actually I had always made the payments the same way and not even updated since XXXX bill payments. I would bill-pay the same account number I had been using since XXXX. In XXXX of XXXX at closing the lender stated that I still had a remaining balance of over {$5000.00} showing on my williams-sonoma card I stated that was impossible because I had made five {$1000.00} payments and that the card was completely paid off. I gave the lender proof of payments and sent them too XXXX XXXX so they could update their records. Obviously, this was important to me because this put me in a different bracket as far as points on my home loan went. This ending costing me 1 point ( on a {$450000.00} home loan ). At this point I'm completely out the missing {$5000.00}, interest, points on mortgage and my credit reports are not correct. 5 payments in the amount of {$1000.00} each were made to XXXX XXXX ( The same way every via bill-pay from XXXX XXXX for the past 3 plus years to XXXX XXXX XXXX XXXX Each payment of {$1000.00} was made was electric from XXXX to XXXX some way for the last 3 years NO changes! It is set-up automatically for weekly payments. I noticed that my payments were not posted, so I called XXXX XXXX and they stated I did not make the payments. I called XXXX XXXX. XXXX XXXX and I called XXXX XXXX together and once XXXX XXXX stated the payments were not made. XXXX and I both sent back-up 's of the payments totaling over {$5000.00} that are missing and they still state the payments were not made. XXXX disputed the 5 payments and gave us a {$5000.00} credit on XX/XX/XXXX only to reverse that credit onXX/XX/2019 for {$5000.00}. XXXX stated since no changes were made to the payments for the past 3 years and the wired funds did go to the same account they could not help me ( basically since I sent the payment the same way for the past 3 year with no changes electrically no fraud was found ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 937XX
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
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/2023, my Barclays Master Card ending in XXXX was stolen from my purse while I was at the XXXX XXXX in XXXX, PA ( I was at the gym from approximately XXXXXXXX XXXX until XXXXXXXX XXXX ). The thieves traveled to the XXXX XXXX and XXXX stores in XXXX, PA ( approximately XXXX XXXX XXXX from the XXXX XXXX ) and made unauthorized purchases with my Barclay Master Card ( as well as other cards that had been in my purse at the time of the theft ). I noticed the theft at approximately XXXXXXXX XXXX on XX/XX/2023 and contacted XXXX XXXX XXXX of the Pennsylvania State Police to report the theft and fraudulent use of my credit and debit cards. XXXX XXXX provided me with his report number ( XXXX ) reference the incident. XXXX XXXX was able to confirm while I was with him that Target had video surveillance of the unauthorized purchases at their store and confirmed that the user was a XXXX individual ( which I am not ). Later on the evening of XX/XX/2023, I contacted the customer service phone number of Barclay Card and reported that my card had been stolen and that unauthorized purchases had been made earlier that evening. Based on information I was able to learn from logging onto my online account, it appears that two transactions were attempted using my Barclay Card, both at XXXX XXXX in XXXX, one in the amount of {$1000.00} and another in the amount of {$1600.00}. A fraud investigation was supposedly initiated, my account was closed, and a replacement card with a new number was ordered. On XX/XX/2023, I received a letter from Barclays dated XX/XX/2023, indicating that their fraud investigation was complete, they determined that the " activity is valid based on your previous purchase history with the merchant '' and that the charge would be returned to my account. This letter referenced the {$1000.00} transaction from XXXX XXXX on XX/XX/2023. I faxed and mailed a letter dated XX/XX/2023, to XXXX in which I explained the situation, how the theft had occurred, provided the police report number and contact information for XXXX XXXX, and requested that the fraud investigation be re-opened because the charges made on my card on the evening of XX/XX/2023 was not authorized by me. On XX/XX/2023, I received a second letter from Barclays dated XX/XX/2023, indicating they had again completed their investigation and determined the " activity is valid because the card was identified as being in your possession and chip card technology was used, which can not be counterfeited. '' Again, they referenced the {$1000.00} transaction that occurred on XX/XX/2023 at XXXX XXXX in XXXX, PA. As stated above and as reported to 1 ) XXXX XXXX XXXX XX/XX/2023, 2 ) Barclays fraud department by phone on XX/XX/2023, and 3 ) Barclays via letter dated XX/XX/2023, the card was not in my possession when it was used because it had been stolen earlier that evening. I did not authorize anyone to steal my card or use my card. Barclays has refused to contact the police or conduct a meaningful investigation of this matter and is claiming I am responsible for the unauthorized charge in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/23 I was contacted by the Fraud department at Barclays stating there was fraudulent activity on my card resulting in many XXXX XXXX charges. I didn't make any of these charges, I live in XXXX NY and was in a blizzard, with no electricity at the time. So, I was happy they called me regarding the charges. They canceled my card, sent me a new one and turned over charges to their fraud department. I was very happy initially. The first week of XXXX I received a letter that 2 of the charges were being deemed valid. When I checked my account there were actually 3 charges on the account that the Fraud department stated were valid. All from restaurants I'd never heard of and it was stated I had history with the merchant, XXXX XXXX. I found out the 3 restaurants are in northern California, thousands of miles from me. I've never purchased anything from these establishments. Coincidentally these are the highest charges I'm aware of, that were charged during the XXXX XXXX XXXX, totally {$200.00}. Over the course of the next 2-3 weeks I attempted on several occasions to get someone to listen to me, that I didn't make these charges. I was told I had to prove I was in XXXX and not in California ordering Chinese food. So I got a letter notarized by neighbor confirming we as a family were in fact home, in XXXX, in a blizzard and that no one was driving or ordering food from California. Sent pictures and wrote a 2 page hand written letter, as I was told it couldn't be typed. Someone could fake that. Faxed it all over to the fraud department. I did all of these things and received a notice today, XXXX that the charges were reinstated and were determined to be valid, despite all that I sent in. It is absolutely mind boggling. I canceled my card today. I am loosing money that was earned towards my daughter 's college fund. I was a customer with Barclays for over 10 years and averaged {$4000.00} - {$5000.00} a month in charges, and I paid pretty much at 30 days. If I made these charges, I would have paid them. I wouldn't haggle over {$200.00}. But NO ONE would listen to me or be reasonable. Barclay 's fraud department picked 3 of the highest charges ( more were on the original list ) and said you have to pay these. No reasoning as to why other cheaper charges were determined to be fraudulent and these 3 were reinstated. Other than the very incorrect statement of " I had history with the merchants ''. I've NEVER heard of these restaurants or ordered from them. The fraud department apparently gets to make ridiculous determinations and stick to them. I asked for a manager to call me and was told a manager wasn't available. I could only leave a message and someone would call me back in 7-10 days. Ridiculous. And I never heard from anyone! There is {$330.00} left to pay on my account. Of that, {$120.00} are charges we made and we will pay that amount. I refuse to pay the {$200.00}, the total of the fraudulent charges. Barclay 's will no doubt put me into collections and lower my credit score. But I will not pay for something I didn't charge. Their fraud department is over-reaching to say the least. No accountability or reasonable actions were taken by them. I was called a liar, treated terribly and am very frustrated to say the least. Others should beware.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14221
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: in the past 2 years i tried to fix my credit. i had some delinquent accounts. i contacted all of them and asked if i could make a payment for less but they would except it as payment in full and would ask the credit agency to remove them from my credit report. all agreed to do so. to my surprise i found out there were 4 companies who didn't do as they agreed to do after paid. ( i owed about 12 companies ) i than contacted each of the 4 of them with no success of having these negative accounts being removed after they agreed to do so. it was a bait and switch tell me anything to get paid and then not do what you said. i am at wits end. I don't know where to turn that's why im contacting you. The name of the companies are Barclays Bank partial acc # XXXX, XXXX XXXX partial acc # XXXX, XXXXXXXX XXXX XXXX acc # XXXX, XXXX XXXX XXXX partial acc # XXXX. i would appreciate any help you can give me in removing these items. Also there are 3 self reporting items that should be removed they are on my report and shouldn't be, as i just wouldn't allow a company into my bank account anymore to see that they are paid as i didn't feel comfortable with a credit company in my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This is a dispute in reference to two separate card accounts. These cards were shut down by Barclays for reasons that were never given to me on XXXX While the accounts were locked, I was told very explicitly by an agent over the phone that the only way for me to pay was via mailed check. My online account was locked so I could not make payments, and I was told explicitly that no external or phone payments would be processed. Additionally, I was told explicitly by the phone agent that if the payments were post-stamped by the due date, I would not be charged any interest or late fees. I mailed all the payments to these cards on time, but I was charged late fees and interest regardless, and due to Barclays incredibly slow processing of payments and XXXX century IT systems, it took extra weeks for the payments to be processed after they arrived, during which time they accrued additional interest. Therefore, I am owed {$150.00} of erroneously charged late fees and interest from Card 1, and {$56.00} of erroneously charged late fees and interest from Card 2. I am also owed refunds of the annual fees from these cards, since one of them was shut down ~9 months after opening, and the other ~1 month from opening. These amount to {$95.00} from each card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80403
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
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: On XX/XX/XXXX I cancelled my Insurance Policy with XXXX XXXX with immediate effect and changed my insurance company to XXXX XXXX XXXX. My cancellation was processed by XXXX. During the term of my policy, my bill was paid by autopay to my Credit Card by Barclays Mastercard. The last autopay to my card was made on XX/XX/2023 for {$340.00}. XXXX refunded monies owed to me by check. Unfortunately XXXX processed a renewal for all my insurance policies without my request or approval on XX/XX/XXXX and charged my Barclay card for {$410.00}. I immediately called XXXX and they confirmed this was a mistake and that my policies were cancelled but they refused to reverse the payment from the credit card. They said they would have to send me a paper check. This was not acceptable to me as I would have to pay the credit card bill and I was not in a position to do so. I wanted them to reverse the charge. They said no so I attempted to dispute the charge with Barclays. I called Barclays and they told me that they could not dispute it while it showed pending, and that I had to wait until it cleared the account. I called Barclays again on XX/XX/XXXX, once the charge had cleared the account, and they told me I still could not dispute it for 15 days beyond XX/XX/XXXX because I had authorized it as a recurring charge. I said I had not authorized a recurring charge because I had cancelled by policies on XX/XX/XXXX and I did not give approval for XXXX to further charge my account. There is no current authorization in place for any recurring charge for XXXX. I was told by Barclays that I had to dispute the prior charge made in XXXX. This can not be the correct advise because 1 ) the change made in XXXX by XXXX was correct as my Insurance policies were in force at that time, as I did not cancel them until XX/XX/XXXX, and 2 ) The amount, should I dispute it, would be incorrect because I am disputing a charge of {$410.00} made on XX/XX/XXXX, not the charge of {$340.00} made on XX/XX/XXXX. There is little point in disputing a charge for which there was a recurring agreement in place for a correct amount when I want to dispute a charge for which there was NOT an agreement in place for an incorrect amount. I declined to dispute the amount charged in XXXX because that charge is not in dispute. I was told this was my only option or wait for 15 days. Barclays are advising me to incorrectly dispute a valid charge. How ridiculous. I asked the representative to show my the procedures that indicate a consumer may not dispute an incorrect, and fraudulent charge for 15 days and I explained this was the second time that I had called and this was not explained to me the first time. She told me it was coming up on the customer web page dispute screen. Well, that all well and good but I asked to see the written procedures that explain why I can't dispute a charge made to my account without authorization for 15 days because XXXX do not have any authorization from me to charge my account as I have no policies in force. I don't much care what a XXXX XXXX has written on a website screen. I'd like to know why I can't dispute a charge for which there is no recurring agreement in place, and I know there is no recurring agreement in place because I do not have any insurance policy in force with XXXX and I did not agree to them renewing my policy and charging my credit card, I'd like to know why I am being held to 15 days in order to report this fraudulent charge. I asked to speak to a supervisor and no supervisor was available. I was given a case number, and the charge remains on my account. So 2 phone calls to Barclays and no resolution. And it would have got so messy if I had agreed to dispute the prior charge made in XXXX which is what I was advised to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29715
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/2023 somebody applied on my name for a Credit Card from Barclays Bank Delaware for an amount {$29000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33417
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 1.I have never had an account with this company BARCLAYS BANK DELAWARE XXXX REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are BARCLAYS BANK DELAWARE the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 168XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37130
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a letter from Barclays Bank stating they needed more information for a Master Credit card that I did not request and was a fraudulent ID theft using my personal information. I called a number of times in order to confirm by letter that the fraudulent account was not mine and that I would not be liable for the account and that it should be removed from my credit report. I have called countless times and wrote two letters to resolve this issue and I am still waiting for their response to this issue from XXXX XXXX, 2022.
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: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In XX/XX/2022 I paid my account balance to XXXX. Because I was making an early payment I attempted to cancel the upcoming autopayment. I thought it would only cancel the upcoming payment and leave the autopay arrangement in place. In doing so it cancelled the entire autopay arrangement, in which I was unaware. In XXXX of 2022 I made a small purchase on XXXX and put the charge on my account. Thinking my autopay would kick back in. It did not and I was alerted in XXXX that my score had dropped due to a missed payment due to Barclays. I called to inquire why autopay did not take care of the monthly payment due and was informed it had been cancelled. It was then I was told, I should not have cancelled the autopay, that it would not have taken the additional money out if the balance was XXXX. Okay, lesson learned. The rep refunded my late payment and told me to write a letter to the dispute department to see if they could change the information sent to the credit bureau in light of the misunderstanding. I did just that and still have yet to receive a direct response from them concerning the matter. Funny thing is I paid the small balance in full a few days later and earlier than the due date. I left the autopay in place ( as I was instructed I should do ) and guess what? When my due date came along, they charged my account anyway, despite the fact I had a XXXX balance. HMMM!!! To top it off, they decreased my credit limit yet affecting my credit score once again. I felt XXXX valued. As a loyal Barclay 's member, who always pays on time and stays well below my credit limit, this was as isolated incident and XXXX due to an honest misunderstanding. I called yet again to understand why my limit would have been lowered because of this isolated incident and was informed it was because I had been delinquent for XXXX months ( untrue ) and had too many derogatory marks on my credit report ( untrue ). Before they lowered my limit, my credit score was XXXX XXXX ( depending on which credit bureau XXXX I had a credit utilization rate below 19 % and I had no derogatory marks on my report. Besides this XXXX hiccup, my on time payment history was 100 % Does that sound like it warrants a decrease in credit limit. I'm not even upset that they have decreased my spending power, that's not a big deal. When it effects my credit score, that's a representation of my worthiness, my ability and willingness to pay my debts. A representation of me that they should not have the ability to affect or manipulate so easily. I am attaching several screen-prints of my credit score across several platforms. As you can see I am over diligent when it comes to staying on top of my credit score. The reason for the decrease in credit limit can't possibly be because of my credit history. Someone didn't do their homework.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A