Date Received: 2023-01-31
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: DEAR ; OLD NAVY CREDIT CARD ; XXXX ; I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumerto dispute information directly with the furnisher. I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02121
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: Back on XX/XX/XXXX XXXX XXXX XXXX XXXX charged my XXXXXXXX XXXX {$210.00}, then again XXXX Charged me {$210.00} on XX/XX/XXXX. I called Barclays and did a dispute immediately ( I got a case number, but I cant locate that information and Barclays never emails me anything to have as a record ). On XX/XX/XXXX I noticed XXXX XXXX XXXX XXXX processed a credit for the duplicate charge of {$210.00}. Now on XX/XX/XXXX I noticed early in the morning again the same charge totaling {$210.00}. I do not know what the heck is going on or who is doing this XXXX or the Bank. On XX/XX/XXXX at XXXX more or less I called Barclays XXXX Disputes department and spoke to XXXX XXXX XXXX told me the {$210.00} is a valid charge and that the merchant sent a bunch of documents to proof it is a valid charge. I told him if he did the math on my account for the times {$210.00} has posted and he continued to tell me the case is closed. I have tried many times to approach all my disputes accordingly and to the proper channel, however it is just impossible and a nightmare to get someone who understands and offers guidance finally a workable solution. I am very close to closing my account ( s ) with Barclays only because of this and the headaches caused because of lack of knowledge and practice by the people who work when calling customer service. I am very very disappointed and I need someone to help me change my mind with all of the issues and inconveniences I have encountered and to remain as a customer. I do not owe {$210.00}, I have already been charged for this and I paid it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with non-monetary relief
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: On XX/XX/XXXX, I initiated a payment through my bank to pay my Old Navy card balance in full, The payment was in the amount of {$1100.00}. The electronic funds transfer was received by Old Navy on XX/XX/XXXX and the money was taken from my bank account. Old Navy never applied my payment and continued to withdraw my automatic payment of {$38.00} on XX/XX/XXXX, {$39.00} on XXXX XXXX and {$38.00} on XX/XX/XXXX. I did not realize additional payments were being taken out until after the payment made in XXXX as they were set up on automatic payments through Old Navy 's payment site. Once I realized this I called Old Navy Barclays on XX/XX/XXXX to inquire about the payments and understand why they were still showing a balance on my account when I had paid the account in full in XXXXBarclays stated that they did not see my applied payment in XXXX and that I would have to call XXXX instead as my account had just been transferred to them and they did not have the XXXX information. I called XXXX, explained that I was trying to figure out why my payment was not applied and they gave me a similar excuse. They had transferred their records to Barclays and no longer had my account information. XXXX advised me to call Barclays even though I'd explained that I'd spoken with Barclays and they'd insisted that I resolve the matter with XXXX. I called Barclay'sagain on XX/XX/XXXX to seek a resolution and they were still attempting to reroute me to XXXX for help. After being bounced from department to department, I finally spoke to the payment resolutions department at Barclays who opened a case on my behalf. I received a letter in the mail about a week and half later requesting I send proof of payment from my bank. I downloaded the information and mailed the proof of payment back to Barclays. XX/XX/XXXX arrived and I had not heard anything from Barclay'sregarding my case but received a call saying I had an overdue payment. I attempted to speak to someone about my case but the only information they had for me was that the claim was closed due to my proof of payment not being sufficient. On XX/XX/XXXX, a woman named XXXX called me from the resolution department and I explained all of the back and forth I had gone thru but had received no resolution and still no one could track down why my payment had not been applied and why the proof of payment I received directly from my bank was insufficient. XXXX assured me that she would research and try to resolve it. She gave me an email address to send my proof of payment to again. I sent the information only to have the email come back saying the email address was invalid. On XX/XX/XXXX, I called Barclays once again to check on the status of my claim and was advised that the XXXX payment of {$1100.00} was applied to my account but then said the payment was returned to me. The {$1100.00} payment Imade was never sent back to me. I checked my bank account in addition to calling the bank directly. Asof XX/XX/XXXX, Barclay 's is stating that my XXXX payment was applied but, I somehow still have {$1100.00} balance and I'm being charged excess interest on a late payment. I have been trying for nearly 2 months now to get this resolved but no one has been able to help me. I'm extremely tired of the runaround and want this resolved. Barclays responded to my prior CFPB complaint, issued a credit to resolve on XX/XX/XXXX, sent me a refund check for my overpayment and now in XX/XX/XXXX took away the credit and is calling me about being late again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76227
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: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I have received this letter in reference to a credit card that has been closed by the company Barclays - closed by them in XXXX XXXX the account was paid in full, on time, with no disputes. closed by them for inactivity - which is accurate being i did not use the card once i had paid it off. i have called them twice, which both times they have insisted that the account is closed and that no further action is necessary on my part and they i will not recieve any further information. clearly they are still requesting information, and i believe they are preying on innocent consumers the letter insists that i send them sensitive and personal documentation that i believe to be both invasive and illegal especially considering none of this information was necessary for the opening of the original account nor was it ever requested while the account was opened. i believe it to be illegal for a credit card company to request the information they are requesting for anyone whether that be an active account or inactive and thus they should be stopped as sensitive information could easily be lost in the mail or could be compromised in any fashion leading to identity theft. additionally when i called the company ( twice ) they insisted that this was their policy for all accounts despite the clear security flaws and potential issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My credit report with XXXX is showing that there was a Barclays flexible spending credit card ( account ending in XXXX ) that I was listed as an authorized user for. The report says the account was opened on XX/XX/2016 and ended up getting closed and sent to collections with a {$2100.00} balance that was never paid. I never opened an account with Barclay or agreed to be an authorized user on any cards owned my Barclays. I've called Barclay 's multiple times over the last 2 months to get this removed. I submitted a fraud ticket and was supposed to get a call back in 14 business days, they never called back. I called again and when through the same song and dance and they were supposed to call be in 48 hours once they got " manager approval '', and they never called me back. They have not been able to find any information about me in their system- they don't have any accounts that pull up under my name or social security number. When I asked them to then send a letter to the credit bureau with this information, they said they can't do that because they don't have information about my account. Then, I disputed this account with XXXX ( mind you, the other two credit bureaus have removed this from my report ). They responded to the dispute and said the information was accurate. I'm not sure how they were able to prove this if Barclay 's themselves didn't have any information about this account, but I digress. Now I am at a loss because Barclay 's doesn't have any information about this account, and the only way I could remove the account with XXXX was to get a letter from Barclays, which they won't provide to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78702
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Back in XX/XX/XXXX, I received a letter from XXXX XXXX that indicated I had been apart of a data breach through their security system. I went in and registered my information with XXXXXXXX during that time and had not heard anything since. On XX/XX/XXXX, I was reached out by someone at a local XXXX XXXX indicating that someone came in and tried to request an apartment application with a fake license and SS using my name. She reached out to me letting me know, during that time I put my name, credit, and information on ID Theft Protection website to ping me for any inquiries that were fraudulent. They denied the credit application, this was at apartments of XXXX XXXX XXXX in XXXX. Since then I have not received any credit hits and assumed that this was a one-off occurrence. On XX/XX/XXXX, I received a hit from XXXX inquiries on my credit application to purchase a vehicle from XXXX XXXX of XXXX with XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX I reached out to XXXX XXXX and all XXXX additional vendors and confirmed that the inquiry did not go through ; however, I notified the address on the inquiry was in XXXX, Texas. I started to XXXX the address and noticed that it was an XXXX XXXX XXXX XXXXXXXX called XXXX on the XXXX. I reached out and spoke to the office XXXX and he indicated that they did have someone living at the facility. I confirmed my name, date of birth, license information and SS with him and he did confirm that someone is there at the facility. He indicated that there was nothing that the apartment complex could do even through I am indicating that this person has used my identify to get an apartment. The only thing I could do was file a police report, which leads me too today. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Barclay 's Bank Delaware 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 XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Credit ran and hard inquirys incurred. XXXX XXXX XX/XX/XXXX Barclays Bank XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was the victim of identity theft. Someone used my previous last name, with my DOB and SS number to open a XXXX XXXX through Barclays. I have not used this last name since 2016, this person charged XXXX dollars. This account is not mine. Despite numerous calls, sending of the police report, ftic report and letter they are still refusing to acknowledge this is a fraudulent account and demanding that I pay the money or they will ruin my credit. This is not my account and it was not me that opened it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60156
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My account balance on XX/XX/2023 was {$670.00}. Banana Republic took out {$1800.00} on XX/XX/2023 because my statement balance on XX/XX/2023 was {$1800.00}. They took out {$1100.00} more than my account balance. This has created a financial burden. I requested they fix it and they told me it would take 10 business days to mail me a check even though I didnt pay via check nor did they have the right to take the extra money. I didnt owe it.. I asked that they reverse the payment they had processed in error or overnight my check and they said they would not. This is criminal. They should never take more money that what is owed to them. I will eventually get my money back but this practice of how they are processing payments should be examined and I would expect them to correct it and at the very least expedite an error when its this large of an impact. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28173
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: While on a flight on XX/XX/XXXX, I was incented to apply for a credit card with Barclays bank to get XXXX bonus miles the first time I used the card for any amount ( " welcome bonus '' ). Subsequently my application was approved, I received the card in the mail, and activated it without a problem. The first time I attempted to use the card at a local merchant on XX/XX/XXXX - the charge was declined. I tried using the card again the same day at another merchant with the same result. On XX/XX/XXXX I spent 30 minutes with their customer service call center to finally get an answer that my card was not able to be used until I provided 'know your customer ' documents by mail to the bank in spite of already being a Barclays customer with another open credit card. And, the Security department is not open on Sunday so I would have to call back. I requested confirmation in writing of which documents would be acceptable to clear the XXXX and be able to use my card. I was traveling internationally during the following week and attempted to use my other Barclays card on XX/XX/XXXX and that charge was declined. I called the Customer Service number again and was told they couldn't help me and I need to call a different number. That resulted in a call to a call center with a 90 minute wait time, directed to their customer service website that has no option for providing any XXXX documentation or list of acceptable documents. So now adverse action has been taken on both of my credit card accounts ( no access to my available credit ) without a solution or any documentation on why ( no written direction was received after my XX/XX/XXXX request for how to lift the block on my card ). I also have a specific timeframe to use my card to get the promised XXXX miles in my airline account and no way to use my card to get them. This also feels like a bit of bait and switch, there is no apparent reason for my account to have been flagged for XXXX documents since I'm an existing customer. And the clock is ticking on me being able to get the reward.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28056
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A