Date Received: 2023-01-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2022 someone went online with a computer and applied for a credit card in my name ( fraud ) at XXXX XXXX XXXX in Delaware. I got a notification from XXXX XXXX, which i am a member of and i then called the bank. They advised what had happened and i informed them that this was in fact not me ( fraudalent ) and they confirmed the above statement of an attempt of fraud. So they deleted the application process and deleted my information, out of their system. In the approval process, a XXXX XXXX was pulled against XXXX Credit Bureau. XXXX won't remove it from my XXXX XXXX unless they're told to by someone else other than me to remove it from the credit report. XXXX won't send XXXX anything as well as my information is no longer in their system to even attempt to send XXXX a notification to delete the inquiry as well. My attempt is to get that off my credit report as it remains for 2 years and without my approval to even be there.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
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: Had a Gap Visa XXXX credit card and they were bought out by Barclays Mastercard. I have an outstanding {$6000.00} refund I am still owed. Claim Numbers : XXXX # XXXX Previous Credit Card Numbers XXXX XXXX XXXX XXXX then XXXX XXXX XXXX XXXX Barclays # XXXX and # XXXX XXXX Complaint # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63021
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I received a follow up call from XXXX on XX/XX/XXXX from the office of the president. XXXX did not offer a resolve to the intentional reporting of incorrect information and advised me to do another complaint with the information I now have to be attached to my previous complaint. My account STATEMENT always reflected a positive amount as a credit and not a debit. I now understand that the STATEMENT that is mailed or electronically delivered every month which gives an ACCOUNT SUMMARY as indicated on the bond portion of the payment coupon, is actually a dividend payment ( book entry security ) from securitizing my account through BARCLAYS BANK DELAWARE, to BARCLAYS XXXX XXXX XXXX, to BARCLAYS XXXX XXXX TRUST, XXXX XXXX XXXX XXXX as indenture trustee and BARCLAYS XXXX XXXX, the underwriter. It was not a BILL for me. The monthly BILL, STATEMENT that was mailed via PRESORTED first-class mail or emailed and presented to me as if I owed money, was actually a security and obligation of the issuer, BARCLAYS XXXX XXXX TRUST from BARCLAYS BANK DELAWARE , the servicer and repurchasing party, BARCLAYS XXXX XXXX XXXX XXXX XXXX and another repurchasing party and XXXX XXXX XXXX XXXX XXXX XXXX trustee and securities intermediary. I was never late as the true obligation was BARCLAYS XXXXXXXX XXXX XXXX per the indenture agreement. I was actually defrauded out of securities and payments that were owed to me. The BOND portion of the STATEMENT which is actually a BOOK ENTRY security, should've been credited to me and the top portion processed properly through the bank, settling my account every month, for the full available credit ( allocated amount ) to be used again following Generally Accepted Accounting Principles. I am aware that there are two sides to the ledger. I am aware that there is a public side and a private side for every account that I have had with BARCLAYS BANK DELAWARE. I am also aware that although my account was closed on the public side, my account was and is still open on the private side being securitized. Not only have intentional violations of the Truth in Lending Act, the Fair Credit Billing Act, the Credit Card Accountability, Responsibility and Disclosure Act of 2009, the Electronic Funds Transfer Act, The Federal Trade Commision Act, the Securities Exchange act of 1934, the Trust Indenture Act of 1939 taken place, but securities fraud as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
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 am writing this statement in hopes of being able to resolve this matter. On XX/XX/22 my pocketbook was stolen. My wallet with all my credit cards were in my pocketbook. I have contacted Barclays Frontier airlines many times to dispute the fraudulent charges that were made on that credit card. I have spoken to different agents from the fraud department and have not been able to resolve this matter. My credit score has been compromised because I refuse to pay these charges. I pay all my credit cards in full and on time. Barclays are being unreasonable so I hope you can help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Barclays is asserting a XXXX XXXX XXXXXXXX ( the " Card '' ) was opened by me, and I am required to pay the outstanding charges. The Card was opened fraudulently ( i.e., not by me ) and the items purchased using the Card were not sent to my home. This point was verified with the business where the purchases were made via the internet ( i.e., Banana RepublicXXXX XXXX via their Research Department ) and was conveyed by me and Banana Republic to a Barclays representative via a conference call. The Card was opened XXXX and Barclays emailed me on XXXX re what it believed was fraudulent activity on the account. I called Barclays that same day to confirm the Card was fraudulent, and the purchases were fraudulent as well. I have been discussing this matter with Barclays for approximately eight ( 8 ) weeks. Barclays conducted their investigation and concluded that the account is mine and I am responsible for the charges. This is despite the facts as stated above. I would note that more than one Barclays representative asserted that the purchases made were indeed delivered to my home, whereas it has been confirmed with XXXX XXXX that the purchases were not delivered to my home but were instead sent to multiple unrelated addresses. I strongly believe that Barclays did not conduct adequate due diligence and I believe this is a bad-actor pattern by Barclays to strongarm/stonewall/impede consumers who have suffered this type of fraudulent activity from resolving these matters efficiently and accurately. I strongly and firmly believe Barclays lack of truthfulness, unwillingness to work with me, and throwing up roadblocks throughout this process is simply Barclays trying to wear-down consumers and recoup losses from consumers who have been victimized in order to mitigate Barclays losses .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT Today I am taking action by filing this complaint regarding my XXXX XXXX that is financed through Barclay 's bank. The first thing I noticed is that Barclay 's took over the XXXX XXXX and didn't inform us. Barclay 's did not alert us. I have the majority of my credit card bills physically mailed to me, so when they took over they had to have switched to e-bill without my consent and I missed two payments because the bills were not physically mailed to us. I called customer service and they set me up on one of their programs for three months which was supposed to prevent me from getting fined for late payments. Apparently, this customer representative also added in a clause that I would pay approximately {$150.00} per month- this was done without my consent but I did consent to the program he offered. This representative also waived the late fees ( I think ) because we've consistently been charged as late payment and have received late fee charges. For the next 3 months, I received monthly statements that said I was late in my payments when in fact I had paid {$300.00} in one month. There were several other unexplainable discrepancies so I called customer service. While talking to customer service, I realized while looking at my bill that Barclay 's has been charge me double interest!!! Customer service said she would have a manager or supervisor call me regarding this problem. To this day I haven't spoken to any representative. I did receive a letter in the mail stating that they were aware that I had concerns about my account and that I should called customer service again to address my concerns. THAT'S IT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94531
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am filing a complaint against Barclay Credit Card Company, which is a creditor of my deceased husband XXXX XXXX, who was a cardholder of Barclay Credit Card ending # XXXX. The debt on the card was {$2000.00}. My husband could not appear in the court hearing due to being held in XXXX XXXX XXXX XXXX and the judgment was passed against my husband to put a lien on my property. My husband was mentally and physically XXXX and surviving on a disability income. Anyhow, my husband passed away on XX/XX/XXXX. I want to sell the property, but I can not sell the property because of a holding lien by Barclay. I want to pay out the debt balance and request Barclay to remove the lien on my property. I have been contacting Barclay since XX/XX/XXXX. I am offering to pay off whatever the debt balance is in the statement, but it seems that Barclay does not want to recover the debts and resolve the issue. They put me in the circle for two months by directing me from one department to another then one collection agency to another and lawyers etc. Then they asked me to fax the required documents. I faxed the documents to Barclay several times, then they asked me to mail the documents. I mailed the documents and they have received the documents. Then they directed me to a lawyer to discuss the case. when I spoke to Barclay Lawyer, he said that he has been waiting for Barclay to send him the statement for over XXXX weeks, but they did not send him the statement yet. When I called Barclay and asked why they did not send the debt statement to their lawyer, they have no answer to tell me the reason. It has been over XXXX months since I have been calling them every alternative day and every time they make lame excuses. I don't know why they don't want to resolve the issue when I am ready to settle the case. I have had a buyer waiting for my property for XXXX months. I am afraid that the buyer will give up on purchasing the property and cancel the deal. The property is not in good shape to find out another buyer easily if I lose this buyer. After XXXX months of contacting Barclay, I feel helpless/hopeless and CFPB is the only hope who can help me by investigating Barclay. Please inquire about this case as soon as possible, so that I would sell the property. I shall be grateful to you. I look forward to hearing from you soon. Thank you for your time and consideration. Regards, Sincerely, XXXX XXXX XXXX XXXX email : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30021
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I reached out to Barclays Bank Delaware via certified mail asking for XXXX XXXX XXXX and ordering them to cease & desist contact in regards to the alleged debt. The letters were marked as received on XX/XX/2022 yet they continue to harass me 1-3 times a day despite the C & D which still stands until further notice ( 15 USC 1692c ( C ) ). They responded to my Debt Validation letter but failed to provide all the requested documentation listed therein. In the midst of our correspondence Barclays Bank Delaware falsely reported late payment on my consumer report ( 15 USC 1666b and 15 USC 1692d ( 1 ) ) which has caused me tremendous hurt financially, mentally, and emotionally. I reside in California and have also became aware this business is not licensed -- per the NMLS -- to collect debts in the State of California as required. I recently sent them a response with proof of all the federal violations they have violated along with an invoice for payment. I am waiting to hear back from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94531
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I received a letter from Barclay 's Bank on XX/XX/2022 telling me that my Gap credit card ( Newly sponsored by Barclay 's Bank ) was reporting 90 days past due and that my account was now closed and a balance was still due. I called immediately and was told that the amount due was interest and late charges because of that interest that was not paid. I paid the amount that was requested of me promptly and inquired as to how there could be a balance given that I had paid my balance in full about 3-4 months ago and had not since used the card. The person on the phone told me that although I had paid my balance in full, interest charges had posted at a later date because I had paid in full prior to the due date. I told the agent that I was never informed of a new balance and was told that it may be due to Gap being newly sponsored by Barclay 's Bank and I may not have recognized a billing from them. I explained that this did not seem fair and that my credit profile and scores would now be unfairly affected. I was directed to speak to a supervisor. I called on two occasions to discuss this with two supervisors. Both said they could not do anything for me and both told me to contact the FCRA. I understand that the FCRA is the Fair Credit Reporting Act and is not an agency. I don't feel it is fair to affect a persons credibility ( credit profile ) when there is no intention of non-payment as well as poor communication from the creditor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91748
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
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/2022 I ordered a rental car through the XXXX website for an upcoming trip to XXXX, Hawaii on XX/XX/2022. I never input any credit card information into the reservation, but I did have a XXXX issued credit card through Barclays still active. On XX/XX/XXXX, I called XXXX to cancel the reservation due to my doctor 's recommendations that I not take a very, long flight at that time. I was told that the reservation was not able to be cancelled as it was non-refundable. I offered to present a doctor 's note that I was unable to make the trip for health reasons. I asked to dispute the charge since it was such a short time from original booking. I was told I couldn't dispute the charge because the charge wasn't on my credit card yet. I asked that my XXXX Barclays credit card to be cancelled at that time. I thought that was the end of the situation. The following month I received a bill from XXXX Barclays for {$400.00}. Once a credit card is cancelled charges should not be allowed on the account. I called Barclays to dispute, they told me to call XXXX. XXXX told me to call the local car dealer to dispute. All parties were unable to resolve this issue despite multiple attempts on my part. Now it is 4 months later and I am being charged interest for a service that was never provided. My credit score has been effected too because of this. I have excellent credit history with a XXXX XXXX over XXXX most months. Subsequently, my credit has dropped XXXX points. I would like to question the unscrupulousness of said company and request that an inquiry be made into their fraudulent business practices that effect the consumer negatively.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10312
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A