Date Received: 2023-02-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a credit card from BARCLAYS BANK account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BARCLAYS BANK and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and BARCLAYS BANK with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in in XX/XX/2021. There was an error on their part. I was never 30 days late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This is most ridiculous bank ever. They promise you something and never keep up the promise. There was a late fee of {$29.00} on my account in XX/XX/2023 and I was promised by various customer care agents that it would be waived for me as a one time courtesy after I had requested for it to be waived. I called in several times and wasted several hours in the process and haven't got my fee back despite these attempts. I had spoken to the following people who had promised me to waive the return fee XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX When I called today - XXXX XXXX, this ridiculous manager named XXXX spoke to me and she said they wont waive that fee despite that being promised by other agents. Are you serious? The last 4 of my CC - XXXX. I don't have my full card number handy on me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03051
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Regarding XXXX payments made on Williams Sonoma Credit Card issued by XXXX Bank which was originally Barclay Card. Payments which have not been reflected in the statements issued to her and in the outstanding balance due. In XXXX Barclay Card was William Sonoma credit card company they used. In XX/XX/XXXX Barclay Transferred to XXXX Bank Card. Since XXXX all payment were made the same way. XXXX {$1000.00} Payments were made from XXXX account XXXX and account XXXX to William Sonoma and William Sonoma states they did not get them! WE are missing {$5000.00} or so XXXX bank states! XXXX payments in the amount of {$1000.00} each were made to XXXX Bank ( The same way each week via bill-pay from XXXX bank for XXXX past XXXX plus years ). Each week a payment of {$1000.00} was made. Each payment was electric from XXXX to XXXX some way for the last XXXX years NO changes! It is set-up automatically for weekly payments. I noticed that my payments were not posted, so I called XXXX Bank and they stated I did not make the payments. I called XXXX Bank. XXXX Bank and I called XXXX Bank and once again they 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 stated since no changes were made to the payments for the past XXXX years they could not help me ( basically since I sent the payment the same way for the past XXXX year with no changes electrically no fraud was found ). Below are the payments that are missing XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. We Believe the funds went to the old Barclay account ending in XXXX and are sitting in limbo after doing a thorough audit.
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: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XXXX of XXXX i used the card to make a purchase with a merchant on behalf of my contractor. Over a year later ( XX/XX/XXXX ) the merchant charged my card when I never authorized nor did they deliver the items they said. I disputed with Barclays and provided evidence this was not authorized and they have not helped, I called and wrote letters on multiple occassions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11793
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: XX/XX/23 received another late payment in my XXXX XXXX on a situation of fraudulent activities on XXXX account ending in XXXX XX/XX/23 called Barclays and they claimed account is closed and at XXXX balance they have no explanation on to why and receiving letters and late payment. I have another XXXX point in late paying I will like to be erased from my credit score. This is making my score go down XXXX points all points where clear in XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90037
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: On XX/XX/2022 I sent Barclays a letter requesting debt validation pursuant of to the Fair Debt Collection Practices Act, 15 USC 1692g stating their claim that I owed an alleged debt was disputed and validation is requested. I respectfully requested their offices provide me with competent evidence that I have any legal obligation to pay you. At that time time, I also informed them that if their offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact if any negative mark was found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. As you can see in the attachments, Barclays reported negative information to the consumer bureau 's without validating the alleged debt they have in my name. I also provided to them an invoice to pay for the 7 violations of 15 USC 1692 that Barclays has committed in the process of defaming my character. P.S. The following attachment is the notarized Affidavit of Truth I sent as well as a Debt Validation Letter, Cease and Desist and finally and invoice for the violations committed. The last page will show a return mailing receipt signed as evidence that they received these documents over 30 days ago and have failed to respond.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
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 CREDIT FOR {$550.00} FROM FRONTIER AIRLINES THAT WAS GRANTED IN XX/XX/XXXX. I CALLED THEM EARLY IN XXXX TO CONFIRM THE CREDIT AND A REP INFORMED ME THAT MY CREDIT WAS GOOD TO BE SCHEDULED UP UNTIL XX/XX/XXXX BUT HAD TO BE USED PRIOR TO XX/XX/XXXX. I PUT A REMINDER ON MY PHONE AND IN MY PLANNER SO I DIDN'T FORGET SO I TRIED PLANNING MY TRIP TOWARDS THE END OF XXXX ; THE CODE : XXXX DID NOT WORK. I CALLED FRONTIER XXXX XXXXXXXX SPOKE TO CS AND THEN TO A SUPERVISER ID : XXXX WHO TOLD ME THEY'RE NOT ALLOWED TO REINSTATE THE CREDIT AND APOLOGIZE FOR THE MISCOMMUNICATION, THEN TRANSFERRED TO CUSTOMER RELATIONS XXXX AND ADVISED THE SAME. CR STATES THEY'RE THE HIGHEST AND FINAL ANSWER APOLOGIZE FOR THE PREVIOUS REP MISCOMMUNICATIONS AND SAID THERE'S NOTHING HE COULD DO AS THE CREDIT HAD TO BE USED BY THE BEGINNING O XX/XX/XXXX. I THINK IT'S UNFAIR TO ME AS THE CONSUMER AS {$550.00} IS HARD TO COME BY. THE REPS SUGGESTED THAT I JUST REBOOK A NEW RESERVATION AS IF I HAVE A MONEY FACTORY BUT IT'S NOT THAT EASY FOR ME AS IT MAY BE FOR THEM. I NEED MY MONEY REFUNDED BACK TO MY CREDIT CARD OR A IN A GIFT CARD SO I CAN BOOK IN THE FUTURE BUT I PREFER BACK TO MY CARD. I PAY MY CARD ON TIME AND I AM ALSO A MEMBER OF FRONTIER DISCOUNT DEN MBRSHP. I DON'T CARE ABOUT THE COST OF THEIR FARES, I LIKE TO BE TREATED RIGHT IN ALL SITUATIONS. NOT TO MENTION I BOOKED A FLIGHT WITH THEM ON XX/XX/XXXX AND SPENT ALMOST {$600.00}. THEY DIDN'T CONSIDER TO APPLY MY CREDITS AND IF I KNEW I HAD TO USE MY FLIGHTS EARLY IN THE MONTH I WOULD HAVE USED MY CREDITS FOR MY BOOKING THEN VS. WAITING TO USE IT TOWARDS THE END OF THE MONTH... THE ONLY REASON WHY ID DIDN'T USE THE CREDIT WHEN I BOOKED FROM XXXX XXXX XXXX ON XX/XX/XXXX WAS BECAUSE I WAS TRAVELING UNEXPECTEDLY FOR A FUNERAL. I WANTED TO KEEP THE CREDIT FOR A PROMISED TRIP TO XXXX THAT I HAD FOR MY DAUGHTER WHICH I HAD TO POSTPONE DUE TO FRONTIER NOT KEEPING THE COMMITMENT TO ME AS THEY AGREED. I SENT AN APPEAL TO BARCLAY AND WAS TOLD IF I COULD PROVE THAT I DIDN'T TAKE THE FLIGHT AS FRONTIER TOLD THEM THAT ME AND MY DAUGHTER TOOK THE FLIGHT, THEY STATED IF I HAD THE PROOF THAT I DIDN ; T TAKE THEY FLIGHT THEY WILL REVERSE THE AMOUNT AND CREDIT MY ACCOUNT I PROVIDED THEM ALL THE DETAILS AND BASICALLY WON MY APPEAL RIGHTS BUT THEN FRONTIER AIRLINES TOLD BARCLAY THAT DESPITE WHAT I SAY THEY SENT OUT INFORMATION STATING THAT THE CREDIT HAD TO BE USED IN A CERTAIN AMOUNT OF TIME. I DON'T RECALL THIS DETAIL BUT IF THAT IS TRUE AND IT COULD BE, THEY STILL SHOULD TAKE RESPONSIBILITY OF THEIR REPRESENTATIVE MISLEADING ME. I CAN NOT LOCATE INFORMATION AND/OR RECALL WHAT THE DETAILS OF AN AGREEMENT WAS WHICH IS WHY I CALLED THEM TO CONFIRM THE LENGTH OF TIME I HAD TO USE THE CREDIT. IT IS UNFAIR AND UNJUST TO ME A CONSUMER TO BE PENALIZED IN SUCH A MANNER. I HAVE SEVERAL ACCOUNTS WITH BARCLAY WHICH REMAIN IN GOOD STANDING BUT I THINK FRONTIER AND BARCLAY IS WORKING TOGETHER TO SCAM DECENT CONSUMERS LIKE ME WHEN THEY KNOW I'VE DONE MY PART TO PROVE MY DUE DILIGENCE. THEY NEED TO TAKE OWNERSHIP AND PROVIDE MY ACCOUNT A CREDIT AS IT'S RIGHTFULLY DUE AS I AM NOT RESPONSIBLE FOR THIS PAYMENT AS I DIDN'T TAKE THE FLIGHT AND THEY ALLOWED ME TO USE ADDITIONAL MONEY TO PURCHASE ADDITIONAL TICKETS KNOWING I HAD A CREDIT I CALL THAT STEALING!!!. I KNOW INTENTIONS OF USING THE CREDIT AND AS MY COMMITMENT TO MY DAUGHTER AND DIDN'T THINK I SHOULD HAVE UNTIL AFTER I BOOK BUT I DIDN'T CARE TO CALL THEM TO APPLY THEM AS I KNEW I HAD UP UNTIL XX/XX/XXXX TO USE THE CREDITS AND I HAD A TRIP TO BOOK WITH MY KID THAT I NEEDED TO BOOK SO I WAS COMMITTING OUR FLIGHT TO FRONTIER TO USE THE CREDIT THAT I KNEW WAS AVAILABLE TO ME ONLY TO BE HUMILIATED AND DISAPPOINTED BY THEIR TEAM. PLEASE ASSIST WITH GETTING ME MY REFUND FROM THIS VERY UNPROFESSIONAL TEAM AS EVERY TIME I CALL THEY DISMISS ME. MY PHONE : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
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: I had called XXXX when I was having difficulties obtaining a new car when I was stuck in XXXX, XXXX. Based on what I had been told in early XXXX, when I was on the phone, the representative told me after she had removed the incorrect addresses that my credit score would be XXXX. To my embarrassment at the car dealership, they showed me that the credit score was affected by a charge off from when my daughter had used my credit card and the amount was PAID IN FULL by me by negotiable instrument and remittance coupon with MONEY ORDER tendered by me to Barclays Bank over XXXX years ago! I had no idea that the interest was still running. According to the rules of the statutes when tender is delivered, interest and late charges must stop! XXXX had still not removed it and neither did BARCLAYS have my permission to share my private information to any third party. When in XXXX of this year, after being turned down by a few banks for financing due to that erroneous income as charge off or discharge would be considered income by the IRS, that should not even be on there. So, I did write to XXXX and I do believe that I am having retaliation based on me opting out of negative adverse reporting and asking for those harmful adverse information of my private information being shared to the public. I received XXXX letters of adverse action which goes agains HJR 192 & Public Law 73-10 as well as title 18, 8, the law also states that Credit Reporting Agencies do not have authority to report as they are not government but they could be construed as financial institutions in commerce using credit data as money. They make a profit with data sharing. XXXX on the phone let me know that XXXX called XXXX and " ordered them to reduce my credit limit from XXXX down to XXXX. '' ( I believe that is a code ) and I have received all of the credit reporting agencies with the same notice along with the car dealership letting me know of the lowered credit score and adverse action. These are damaging against my person and harming me. I opt out of negative reporting as it goes against " the privacy act ''. I believe I am being cyberbullied with my credit report as it has harmed me and I could not get a car and had to stay in hotel rooms until my car could be repaired and it took me about XXXX weeks to get home. These credit agencies are being paid by the companies and this is a XXXX violation of racketeering against my " full faith and credit '' .I demand that my score be restored to the highest score and all negative inquiries about my personal business be removed as it is harmful for the economy and all of these companies are being paid in full with negotiable instruments or they are using my credits open ended account and benefiting from the Racketeering scheme that they charge for companies to acquire information and I also would like proof that they also pay companies to report to them so that the people will have to pay higher interest rates or be turned down for credit when no one should be turned down based on title 18, 8 and HJR 192, public law 73-10.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91360
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I canceled a Barclays JetBlue card I was not using as I no longer wanted to pay the annual fee. AFTER the card had been canceled, Barclays still processed a payment from my bank account for the amount of the annual fee. I have contacted Barclays multiple times to rectify this and they still have not returned the funds they collected from me incorrectly. The total is {$99.00} against a card that has been canceled for 2 months now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: The below letter to Barclays explains my situation. In addition to being scammed, I am now being asked by Barclays to reimburse them for funds that should never have been accepted by them if they conducted proper due diligence. It is scary to know that one only has to present any bank account number and routing number to a credit card company and they will proceed to take funds from that account without proper safety checks. Even more scary is the fact that one 's banking info is essentially public, as it appears on every check. XX/XX/2022 Barclays XXXX XXXX XXXX XXXX, DE XXXX Dear Sirs, Re : JETBLUE REWARDS XXXX XXXX # XXXX XXXX XXXX XXXX I refer to your letter dated XX/XX/2022, on the above subject, advising me that A recent payment on XXXX JetBlue XXXX XXXX account has been returned by your bank for Identity of Authorized User. As a result, we have removed this external bank account information from our system and the payment has been reversed. Needless to say, your decision is quite puzzling and seems to be high-handed under the circumstances. Consequently, allow me to add some context to this unsettling matter. On XXXX, 2022, I started working with XXXXl XXXX XXXX XXXX XXXX XXXX ) of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX, as a XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In order to purchase products, XXXX provided their banking info ( Checking Account ; Account # XXXX ; Routing # XXXX ; Account Nickname : XXXX XXXX XXXX ) ) with XXXX XXXX XXXX and instructed that I use this bank account to put funds into my JetBlue credit card. The following payments were made to the card : XXXX XXXX, 2022 : {$20000.00} XXXX XXXX, 2022 : XXXX TOTAL : {$40000.00} Barclays immediately confirmed that the funds were received and credited the card accordingly. No mention was made by Barclays at the time that the source of the funds was questionable. Using these funds, purchases were then made from XXXX XXXX and XXXX, and the goods were subsequently shipped out to XXXX XXXX as per XXXX instructions. XXXX unexpectedly ceased operations around XXXX XXXX, 2022. XXXX my surprise when, by your letter dated XXXX XXXX, 2022, almost XXXX ( XXXX ) months after the first transaction on XXXX XXXX, 2022, you are now advising that the payments of {$40000.00} made into the card account in early XXXX were now being reversed because my name was not listed as an authorized user on the XXXX XXXX account this was the reason given to me by your Customer Service when I called after receiving your letter. Why did you not alert me immediately of this fact on XXXX, 2022? If you did, then this situation would not have arisen. Your decision to hold me liable for repayment of the {$40000.00} is ludicrous, as Barclays failed in its responsibility to protect the cardholder by not performing due diligence on the source of funds in a timely manner. Barclays actions, or lack thereof, constitute a breach of fiduciary duty. Every check written has the accountholders bank account number and routing number printed on the check. Hence it is safe to say that this information is in the public domain. Knowing this fact, why would Barclays simply accept anyones account number and routing number alone as a payment source, without conducting proper due diligence to verify that the accountholder and cardholder are XXXX and the same, and is in fact making the payment? This due diligence should be immediate. Yet it took Barclays XXXX ( 2 ) MONTHS to determine that the cardholders name ( my name ) was not on the XXXX XXXX XXXX account being used! Please be aware that I have reported XXXX as purporting a scam, to the following agencies : Florida Attorney General Federal Trade Commission XXXX XXXX XXXX XXXX ( XXXX ) Notwithstanding XXXX purported scam, I hold Barclays to be complicit in this matter as they failed to adequately protect the cardholder from this scam. I trust that common sense will prevail in this matter, and you will see it prudent to remove the {$40000.00} from my account. PLEASE BE GUIDED ACCORDINGLY. Cc : XXXX XXXX Barclay 's latest response below : Response Customer care via XXXX XXXX pm Hi XXXX XXXX XXXX Thank you for contacting us about your JetBlue Rewards Card XXXX We understand your concern and apologize if your received anything less than exceptional service. We see that the payment on the account for XX/XX/2022 and XX/XX/2022 has been returned. We can not determine the nature of a payment information until it has cleared or not cleared an an account and that can take anywhere from XXXX days on larger payments. The XXXX XXXX where the deposit for Barclays payments was made are the ones who rejected and the payment due to the fact you are not a authorized user on the account. We do apologize for the inconvenience and hope we have clarified the situation. Barclays is required to report account history accurately. We update your credit report monthly, and it XXXX take 30 days for the credit bureaus to update their records. Accounts are not reported to the credit bureaus as past due until they are 60 days past the statement cycle date and greater than 30 days past the statement due date. At that time, accounts are reported as a XXXX delinquency. If you feel that any of the Barclays account information that is reporting on your credit bureau report is incorrect, please send a written dispute to the following address or submit a dispute directly with the XXXX XXXX XXXX : Barclays Dispute Address : FCRA Credit Bureau XXXX XXXX XXXX XXXX XXXX, DE XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A