Date Received: 2023-02-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: At some point in XXXX 2022, my AA Advantage Aviator Red Mastercard account issued by Barclays had the address changed without my permission. Shortly thereafter, two charges for {$5000.00} each ( {$10000.00} total ) and then another for {$2100.00} were made in XXXX 2022. Those charges were paid directly from my XXXX XXXX XXXX XXXX account. However, because the statements were not going to my house but instead to the address provided by the fraudster, I had no knowledge of the theft. At some point in XXXX 2022, Barclays issued a credit card with a different number under my legitimate account to a fraudulent authorized user. Under no circumstances did I request or provide information allowing an authorized user to be added. The fraudulent authorized user is XXXX XXXX and the address she is associated with is the same address my account was changed to in XXXX 2022. XXXX then attempted to add XXXX XXXX as another authorized user but was denied. I opened a formal complaint with Barclay in XXXX 2022 after I was denied a car loan due to delinquencies on my credit report, which were caused by XXXX 's theft. I spoke with Barclays multiple times inquiring about the investigation and the securities department at Barclays casually mentioned XXXX 's name stating she is a " known name '' to them. During the fraud at Barclays, XXXX also falsely acquired my XXXX card information and stole close to {$40000.00}. I have finally been reimbursed for those debits through XXXX but Barclays is not reimbursing me. It is important to note that XXXX also funneled monies to my credit cards from other banks, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX would make direct payments from these banks and then use the payments to make cash advances at XXXX XXXX in XXXX, Texas and XXXX XXXX in XXXX, Texas. XXXX has defrauded customers of each of these banks and used my Advantage Aviator Red Mastercard to funnel the funds to herself. I insisted Barclays give me all the information, including transcripts, indicating how XXXX was able to make herself an authorized user. Barclays nonchalantly indicated XXXX had my information and was approved as a user. Truly, the largest disservice besides the theft is that each time I speak to Barclays, I have to jump through hoops and security authorizations before Barclays will have a discussion with me yet a known fraudster was able to quite easily make themselves an authorized user. Barclays securities department is clearly lacking the ability to protect its customers. In XXXX 2022, Barclays sent a letter addressed to XXXX XXXX ( this was the first time XXXX was used but my statements as well as background checks have the name XXXX XXXX ) to my home address. The letter stated the primary account was closed due to suspicious activity and pending further investigation. This was the same account I reported to Barclays in XXXX 2022. Again, this is evidence of the incompetence within Barclays organization that they are now addressing a letter to me using the fraudster 's name. Barclays found fraudulent activity on my account and have not made any attempt to resolve the issue. Instead, I spend countless hours initiating conversations with them that are not helpful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28031
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/2022, there were two fraudulent charges on my wife 's XXXX XXXX, Barclays Bank Mastercard credit card. Business name : XXXX XXXX XXXX, for {$3100.00} and {$3900.00} The details of this situation were as follows : From XXXX XXXX through XXXX XXXX we were staying at Breathless, an all inclusive resort in the XXXX XXXX. We did not leave the resort or use our credit card while at the resort at any time. At the time of the charge, the card was in a locked suitcase in our hotel room. There was evidence that the suitcase was broken into but nothing was physically taken, it was reported to our hotel concierge but no official report was filled out. We did not realize our card was compromised and simply put back into the bag. XXXX XXXX I received an e-mail at XXXX Fraud alert, which I didnt see until XXXX that night. I attempted to call to have these charges revoked but the hold time was long and I was on vacation and couldnt get through. XXXX XXXX, morning, When I initially called to report the fraud, based on the name of the company, I thought they were charges in XXXX XXXX, not The XXXX XXXX. Additionally, when I reported the fraud I thought the charges were on my card and not my wifes. The customer service agent canceled my card and issued me a new one, at no point indicating to me that the charges were actually done on my wifes card not mine. I discussed the charges with the agent. Questioning how someone in XXXX XXXX could have gained access to my account information. At no point did the agent correct me and tell me the charges were actually sourced out of XXXX XXXX, not XXXX XXXX. Due to this, it took me a full two weeks, XXXX XXXX, to realize the charges were on my wifes card not mine and within the XXXX XXXX not XXXX XXXX. By this time I was home back in the US. I promptly canceled my wifes card and had a new one issued. XXXX XXXX I called again to follow up on the status of having the charges removed. I was told it was still under review. At some point the charges were removed and I was elated, because I can not afford to pay $ XXXX for something we didnt order or purchase. XXXX XXXX I saw the charges back on my account! I was shocked. I called and was told the fraud claim was rejected? I was told I was to receive a letter in the mail explaining. XXXX XXXX I received the letter from Fraud investigations which explained that because the card was on our person that they determined the charges had to be legitimate. I called again and was told that I had to send a letter requesting the case to be re-opened. On this day I wrote and mailed a letter requesting the case to be re-opened. XXXX XXXX I received a call from Customer service. They indicated that the letter had been received and the case would be re-opened. Operator ID XXXX XX/XX/XXXX. I called to follow up. I was told that the letter had actually not been received and the case was not re-opened and that I had to send another letter. This time I sent the letter certified mail. Along with this letter we included, photo evidence including time stamps, that we were at the beach at the all inclusive resort with many witnesses, not in possession of our card, nor in a situation where it would make any logical sense for us to be applying over $ XXXX in charges at a rental car agency ( or whatever kind of business the charges were ). Further more, we can find no evidence of this business XXXX XXXX XXXX existing, online or otherwise. XXXX XXXX I received notification from USPS the certified mail was received. XXXX XXXX I called to follow up. Spoke with XXXX XXXX - I was told the letter was received, logged on XX/XX/XXXX, and in review and they needed 7 to 10 business days to from when it was received ( presumably XX/XX/XXXX ) to review the case. XXXX XXXX Called and spoke to agent XXXX - I was told the review was not completed yet and to check back on XX/XX/XXXX if I saw no changes to my account. XXXX XXXX I saw no changes to my account so I called and spoke to Agent XXXX. At this time I was told the case was in fact not reopened until XX/XX/XXXX and that it would be a further 10 to 15 business days before I would see the results of the investigation. At this point, I got very frustrated and asked to speak to a manager. I was told there was no manager and I would receive a call back. XXXX XXXX A manager returns my call ID : XXXX - The Manager tells me that my case has been reassessed and that we are STILL liable for this fraudulent charges He tells me its because we still had the card in our possession and it was a chip reader charge. At this point I just dont know what to do I pled with him to help. I asked for his supervisor. At this point he says there is no supervisor to speak to and I am liable for the charges. He suggests I write an appeal to the office of the President of the Bank. We are still pending a response from the office of the President but have lost all hope of these charges being reversed. This is quite possibly the worst experience I have ever had with any business let alone credit card company. I dont understand why the burden of proof for fraud is on me as the card holder vs. this business to which the charges were applied, which is clearly in on the fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11757
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
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: For the Jetblue Credit Card with Barclay US, they provide zero online options for resolving transaction disputes or fraud. They require the customer to write a request to a postal address. This is very inconvenient and time-consuming. What if I do not have a printer or the resources to complete that task? Why is there not an online submission option like every other credit card? They encourage their customers to have paperless billing yet insist on non-virtual, all-paper processes. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I has a Banana Republic card through XXXX. I paid off the account and the account was closed by XXXX due to inactivity. I called and confirms this with a representative. When Barclays took over Banana Republic Credit they sent me an invitation to activate an account with them, but I declined. I discovered in XX/XX/XXXX that an account was opened for me and I called to request them to close the account. In XXXX I called again asking to close the account. In XX/XX/XXXX an agent assured me the account was closed. XX/XX/XXXX I received a delinquency notice because they charged me an annual fee and then added late fees. I wrote a letter and sent it to Barclays explaining the account was opened without my permission and asked them to close the account. XX/XX/XXXX I received a letter from Barclays saying they investigated and found there is no fraud on the account and that the account is in good standing. I called and requested the account to be closed AGAIN and was told they can not close the account. Not to mention every time I call in to try to speak to someone they ask me for my credit card number but I was never issued a card so I so t have a card number!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94601
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX more supporting documents/ false reporting pertaining to your false reporting! I asked you to review XXXX XX/XX/XXXX a company that you had hired or sold the debt to indicated to me that you had already sold or transferred the account to them again that was in XXXX! Which proved that you changed the date of last active. Basically the account was already in first delinquent long before XX/XX/XXXX please remove the account or accounts from my credit file immediately Then I received another correspondence with a company called north star indicating that they had the 2nd account on XX/XX/XXXX they receive the account from you! Barclay this is a clear clear sign that you had these dated changed under spite this is real dirty if you doing this! I asked you to immediately remove this account from my credit file as you have had your fame and Fortune of this illegal active! Remove this she lets move on please I thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55311
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
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 made a payment of {$900.00} to my Gapcard account via the XXXX XXXX XXXX bill pay website. The {$900.00} payment is clearly shown on my XX/XX/XXXX credit card statement. My XX/XX/XXXX statement reflects my balance minus the {$900.00} payment that was made XX/XX/XXXX. My XX/XX/XXXX statement shows {$900.00} added back to my balance listed as " Adjustment-Payments ''. I called the company and spoke to a customer service rep who seemed very confused and stated I should call back if the issue did not resolve in the next billing cycle. The next day I spoke to a more helpful rep who agreed the Adjust-Payments charge looked odd and opened a case ( XXXX XXXX ) on my behalf. She informed me it could take up to two billing cycles to correct the issue. I received a letter in the mail from Barclay 's Gapcard dated XX/XX/XXXX referencing my case number. The letter stated my inquiry had been resolved and that my next billing statement would reflect the correction. There was no contact information listed on the letter and it simply stated to call customer service with any issues. My XX/XX/XXXX did not show the {$900.00} applied to my balance and I called customer service again. After giving my case number and explaining the letter I received the representative told me the issue was with my bank and that I needed to contact XXXX XXXX XXXXXXXX. I contacted XXXX XXXX XXXXXXXX and received confirmation that a representative from the bank had spoken to a Gapcard representative and the outcome was that they confirmed receipt of the {$900.00} payment and no late fees were charged to my account. My XX/XX/XXXX and XX/XX/XXXX statements still did not show the {$900.00} credit and when I called again a representative told me their investigation into my case is on-going and the issue seemed to be with my bank. Again I contacted XXXX XXXX XXXXXXXX and received a response stating a bank rep confirmed receipt of the payment. My XX/XX/XXXX and XX/XX/XXXX still show a balance and I have yet to see the {$900.00} payment clearly credited back to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This letter is a follow-up to my original letter dated date regarding an inaccuracy on my credit reports, regarding Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36609
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
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 card was fraudulantly charged {$4000.00} in XXXX of XXXX and i disputed charge and they credited it back in XXXX of XXXX BUT they charged interst and late payments until XXXX of XXXX and then never sent me a letter and just sent to collections and now it has ruined my credit. i have tried to resolve this with 7 hours worth of phone calls over 3 weeks of calls and they have no idea why i am calling. i have a case # and they still wont resolve this. THIS IS MY CASE # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48047
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Somebody use my identity to apply Mile & More XXXX. I realized it happen only when the credit card company mailed me for more information. The company is called and the application has been canceled
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19454
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
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 a XXXX complaint on a previously filed complaint number XXXX. When I initially filed a complaint, I received a call from the Barclays President office the same day. The men I spoke with assured me that there's no need to move forward with my complaint, as he will reopen the case and will make sure that my case is re-evaluated and the money owed to me will be credited back to my account. I trusted this individual and was waiting on my credit, which never came. I called the Barclays Bank again last week to follow up on my credit and was advised by an individual to wait about a week and not to refile the complaint, as she will submit my concern to their back office to process the credit. Again, I trusted the bank representative and when I called today to follow up on my credit, I was told that my case is closed and no credit will be issued. The Bank is operating on false pretense and acting not in good faith. I seek your assistance in resolving this ongoing issue. P.S On the XXXX of XXXX they also sent me an email saying that my response is in the system called XXXX XXXX, I tried accessing the system and to no avail. It is crypted and no matter what I did, I wasn't able to access it. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33326
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A