Date Received: 2023-01-29
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: Someone fraudulently opened a Barclays credit card under my name. I did not open any new accounts or have my credit checked. I contacted Barclays and they closed the account. I told them to remove that fraud from my credit report. I then disputed the fraud on my report with all 3 credit bureaus and XXXX twice now just says they verified the account information. It is not me and i want this fraud removed ASAP
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73013
Submitted Via: Web
Date Sent: 2023-01-29
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: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I made a purchase using an XXXX XXXX credit card back in XXXX of XXXX. I went to go make my payment when it was due but when I went to make the payment, I could not get into my account online. I called customer service and found out they gave me a new account number as the company had gotten bought out. The representative I spoke with helped me pay and ensured me I would have no late fees as I did not even know, nor was I notified that I was given a new account. Then in XXXX of XXXX, I received an additional bill of around {$35.00} as a late fee from the XXXX statement. I immediately called the company and they said it was a fluke and that I would have a {$0.00} balance soon. I was told I just needed to wait another billing cycle to get it fixed. Then I got a statement in XXXX showing a new late fee from the previous late fee back from XXXX of XXXX. I immediately called the company and asked to speak with a supervisor. I was told that my account was not showing a XXXX dollar balance, and that it was showing XXXX late fees. I went through the process of having them try to remove the late fees again and was told that it would be fixed on the next billing cycle. Then I got another bill towards the end of XX/XX/XXXX with the same amount. I immediately called them ( again ) and spoke to another supervisor, and had them create another ticket to get it resolved. I was informed that the ticket would be expedited, and that I would be called when it got resolved. I have yet to be called. Mind you, all of these calls are recorded. Fast forward to now, I just got another statement on XX/XX/XXXX, showing an additional, third, late fee from the original one back in XXXX of XXXX. This was even after I had spoken to a representative XXXX times being ensured XXXX different times that my account will show a XXXX dollar balance on the next billing cycle. They are lying through their teeth and being extremely dishonest. These late fees are affecting my XXXX XXXX and clearly whoever is working for the XXXX XXXX credit card services is not doing their job and is being fraudulent about what they are doing. I plan to call them again in the morning, but this has been going on for several months. And it is time they be reported.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89431
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Good morning! I got a notification from my credit security monitoring company that there were some flagged late charges and fees on my Athleta store credit account and when I Called Barclays, I was told that although I paid my account in full, the bank that took over was not able to pick up my payment in a timely manner thus, it accumulated all these late fees and interests. I made the purchase in the amount of {$43.00} XXXX of last year and I paid in full in-received by them in XXXX/XXXX/22. Barclays took over from XXXX and my account and payment fell through the cracks! I tried to have Barclays erase all the late fees and interests that had amounted to {$250.00} and somehow, they couldnt do it due to technicalities. I called again XXXX, and I was told again that the least they could do is bring it down to {$130.00}. I am furious for these injustice and unfairness. I need help!
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: 2023-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Barclays reported my credit card payment delinquent for XX/XX/XXXX for a missed payment on XX/XX/XXXX. On XX/XX/XXXX the reported to credit bureaus that I was 30 days late on my past due payment for XX/XX/XXXX. This was not 30 days, it XXXX. Further XXXX, XXXX and XXXX XXXX the 30 day delinquent pay for XX/XX/XXXX when we are still currently in the month of XX/XX/XXXX. Thus, this does not indicate the payment being 30 days past due. Further more on my XX/XX/XXXX statement, there is no indicated past due amount. Furthermore on my XX/XX/XXXX Statement it reflects my past due payment amount is due XX/XX/XXXX. If I have until XX/XX/XXXX why was my account marked as 30 days past due? And why did XXXX, XXXX and XXXX allow for something to be reported 30 days late in the same month that the payment is late in?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37043
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Barclay Mastercard has been set-up for monthly autopay since XXXX. Barclay Mastercard extracts payments from my XXXX XXXX XXXX in the amount of {$19.00} monthly for payment charges from the merchant, XXXX totaling {$19.00}, therefore resulting in a XXXX XXXX. As of XX/XX/XXXX, Barclay Mastercard has not applied the {$19.00} auto payments to my account, resulting in my balance rolling over in the amount of {$39.00}. Spoke with several reps only to be disconnected and told they could not figure out the problem. Finally, spoke XXXX, XXXX, who stated he was going to XXXX a {$40.00} credit on my account to offset the charges. However, only XXXX cents was applied on XX/XX/XXXX to my account. Contacted Barclay Mastercard again several times only to be disconnected and told they are unfamiliar with the problem. Due to either a system error or fraudulent practice I have a balance sitting on my account in which I have issued payment for totaling {$39.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46410
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I used my Barclay mastercard to pay for an item online. I realized just as I hit submit that the site looked off and struck me as a possible fraudulent site where they steal your numbers and info. I elected to go to my credit card 's account and lock that card to keep it from being used in case of a fraudulent charge. It stated that when I locked it if it were to be used they would notify me. They did not. It was used, but they just removed the charge and didn't allow it to post. I happened to see it because I monitor my accounts daily. I reached out to them and confirmed the charge did indeed happen and it was on the locked card. I then filled out the fraud form so they could cancel the card that had been compromised and send a new one. Except what they sent was a letter for me to call them. So I called them XX/XX/2023. They told me they would have to call me to prove I was me. But they did not call my cell phone that is on the account. They called my spouse 's which is the secondary. They did not answer as their job does not allow them their phones while working. So they told me I had to answer public questions. They asked me what the nearest cross roads were to my home, but refused to explain if a T was considered a crossroad for them so I named XXXX XXXX within a mile radius to my home, but none of them were correct apparently. They then asked me to name the creek that flows near my home. There are 2. One crosses my property in the back and the other is to the west and I cross it when driving. I asked which one. They did not answer me and honestly I've never seen a name for either nor have I heard them called anything other than the creek on XXXX XXXX. The one on my property has never been talked about. I had to look up the plat info for the county to find the name for them. So then they tell me I have to provide to them my DL front & back. My utility bill in my name mailed to my address. None are, all are in email format and it is just an amount and due date. Everything is on auto bill pay from my bank. I explained that I don't get any utility bills mailed to me and most are in my spouses name as they pay the bills. I was told so sad too bad, they are shutting down my account because they suspect fraud and I must send them this information. I also must send them a copy of my bank statement which includes account numbers for accounts I have paid. I also am being required to send them a copy of my social security card front and back. I responded to a letter they sent, but I honestly feel like they are trying to steal my identity. I've had my XXXX card number stolen by a teen at the pizza shop and fraudulently used. I was never treated like this. They verified through information they had on file or that was in my credit report and sent a new card. I am seriously scared to death to mail all those items through the mail to them as my identity could easily be stolen then. And they refuse to speak to me to clear up whatever they think has happened with my card even though I am the one that took steps to ensure that the card was locked and not able to be used fraudulently. But now I'm being punished. They have even locked me out of my online account and I literally can't even pay the last bill as I pay it online.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 664XX
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
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: After doing a minor audit I found a fraud charge I then immediately reached out to file a claim which was denied in a letter sent to me saying that because I make my payments on time this must not be fraud this is not right in my opinion as just because im in good standing with my credit card company. XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92126
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There are dept collection letters and bills sent to an address that is not mine. I know the person that the letters were sent to but don't know anything about these accounts. She would like to stop receiving these statements/bills/collection letters sent to her address. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95758
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
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 have been try to get a partial refund from a cruise that was canceled due to covid for 2 years carnival has proven the refund was sent the credit card company never released it to me. I called, then nothing. I called oh its not something we can see send a letter stating the amount the date the reason ok I did. Nothing call oh resend ok. Oh a manager will call back, nothing. 2 years of XXXX now they tell me oh you can only dispute for 2 months after the bill cycle. I didn't even know the refund was sent with the 2 months. I just want my XXXX refunded back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
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 have tried numerous times to dispute monthly charges appearing on my Barclaycard Mastercard that I did not authorize. Barclaycard has refused to assist, and I am therefore filing this complaint. The monthly charges are from XXXX XXXX XXXX and currently total {$1400.00} ( as of the date of this letter ). On or about XX/XX/2020 I submitted a dispute for a monthly recurring charge in the amount of $ XXXX {$76.00} per month that I did not authorize. Attached is a summary of those charges, along with the several letters I sent to Barclaycard. In addition, I have spoken to Barclaycard numerous times by phone to discuss the matter and answer any questions they had. My request was/is to stop the recurring charges and reverse the charges that I did not authorize. To this day, the recurring charges continue each month. A few of the charges were reversed, but most have not. I pay my balance in full each month in order to maintain my good credit rating. However, I am still owed {$1400.00} as of this date. The most recent letter from Barclays states they will not assist me because We are outside of the permitted timeframes to continue this claim through the dispute process. This reason simply makes no sense as I have been pursuing this matter since XX/XX/2020. Barclays has been very difficult to communicate with. Each phone call results in speaking to someone new and re-explaining the issue, only to receive a generic letter in return. I have spent countless hours on what I think would have been a simple issue, and Im kindly asking CFPB to assist in resolving this matter with Barclay. Specifically stop the on-going charges that are now {$79.00} per month and issue a credit in the amount of the disputed charges in the amount of {$1400.00}. Thank you for reading and hopefully assisting with this frustrating issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A