Date Received: 2022-12-21
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: XXXX XXXX is Using My Social Security Number & License Improperly They Used XXXX XXXX A Hiring/Recruiter To XXXX XXXX abiding citizens like myself Personal Info License and Social By asking to send screenshot pictures & they are applying for different credit applications causing hard inquiries on my credit report than terminated my employment in just the third day of employment causing me to ask for police report Case # XXXX Company also uses XXXX for their communication to mistreat coworkers that are not XXXX they are not allowing equal opportunities with their established company instead farming all the money for themselves while stealing citizens identity XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: XXXX XXXX Opened Barclays XXXX XXXX credit card with $ XXXX spend ( in 3 months ) for XXXX miles bonus and {$99.00} annual fee statement credit. XXXX XXXX XXXX XXXX XXXX spend requirement XXXX - {$99.00} annual fee statement credit posted with statement close. XXXX miles bonus did not post. XXXX - Messages to Customer Service Reps ( CSR ) inquiring about bonus not posting. CSR indicated it could post on the statement when qualified requirements are met. XXXX - Inquire again as miles still do not show pending in my Barclays account. CSR says wait 6-8 weeks per Terms & Conditions. XXXX - Inquire again after specified time frame since meeting requirements. CSR indicates I did not meet requirements, but I did. CSR opened investigation to take another 30 business days and I still do not see anything another couple of weeks in.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95691
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: FCRA Violation: credit card not mine XXXX XXXX XXXX XXXX XXXX - CARD SERVICE XXXX XXXX XXXX C BARCLAYS BANK DELAWA FCRA Violation: hard enquiries not mine XXXX CREDIT FCRA Violation: addresses and name not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX FCRA Violation: auto loan never late XXXX XXXX XXXX
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: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I've been having problems with Barclays concerning my AAdvantage Mastercard. I have not used this card for any purchases since XX/XX/2021 since XXXX XXXX has quit servicing XXXX XXXX and there has been fraud activity reported on the account. Barclays did charge me {$99.00} annual fee in XX/XX/2021 which I paid. Barclays sent 19 letters on XXXX XXXX informing me that certain restrictions were being placed on my account ending in XXXX. Also I received a letter from Barclays on the same date thanking me for requesting an increase in my credit line on account ending in XXXX and raising it to {$22000.00} effective immediately. The credit card that I had at that time ended in XXXX. I never had a card ending in XXXX. Barclays told me that the account ending in XXXX would be cancelled and I would be issued a new card ending in XXXX. They asked if I needed the card in a hurry and I said no, that I wouldn't be using it anyway. They sent the new card regular mail and charged {$15.00} for expedited service. On XX/XX/XXXX Barclays sent 9 letters again informing that restrictions would be placed on the account ending in XXXX.Then on XX/XX/XXXX I received a letter that XXXX account was being closed due to suspicious activity. At that time I called and told them not to send anymore cards but I wanted to keep the account open so I wouldn't loose the ability to access my data until this fiasco was over. Now they have charged me a {$99.00} annual fee on an account ending in XXXX. Way back in XXXX this case was issued a Barclays Case number XXXX and I was told by XXXXXXXX XXXX that someone from Barclays would be contacting me to resolve the issue within two days. No one called so I called and was put in contact with someone in the fraud department. After a long conversation I was told either by someone in fraud or customer service that the matter would be resolved and that I would be reimbursed for {$15.00} charge for expedited service and the annual fee charged in XXXX XXXX but neither has happened. I've had numerous conversations on the phone about the situation and each time I felt the problem was resolved but it hasn't. I now see how old people are being ripped off each and every day by people like this. I've been inundated with meaningless correspondence red tape just to get a very simple problem taken care of.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 51104
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
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: Wanted to cancel a charge for a purchase that went through as a recurring yearly charge. When I purchased the ski pass fir XXXX I was not aware that it would be recurring charge in the future. I contacted the company XXXX, and they claimed that it could only be cancelled for specific reasons through a third party entity. It seems that I will never be able to cancel this pass whether I want it or not. This charge was for a ski pass and I tried to cancel it in XXXX way before the season even started. The credit card company, Barclay is siding with XXXX. The charges are {$570.00} and {$50.00}. XXXX is being Draconian with their position. Barclays is preferring to side with the big corporation rather than their customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90069
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX, XXXX has a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred. sold and I am no longer responsible for the account. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill or statement without a signature does not validate the debt and anyone can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX, XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Barclays is in violation of 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ), which protects me from discrimination in any aspect of a credit transaction such as an increase in credit limit. They refuse to grant credit in a substantial amount or on substantially the terms requested in my application or not even making a counteroffer to grant credit in a different amount. The application for credit and their refusal to extend the limit is an adverse action. 15 U.S. Code 1602, The term creditor refers only to a person who regularly extends consumer credit ( my social security number ). The term creditor refers only to a person, The term person means a natural person or an organization
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 655XX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/22 I flew from XXXX to XXXX XXXX on XXXX XXXX. The instructions on baggage were very confusing and I had to check two bags at the gate, which costed me {$200.00}. Upon buying the bags the first time, I was never told I would have to pay for the bags again on my return flight. The instructions were again unclear and I was forced to pay {$200.00} again. Thats a total of {$400.00} for a flight that only costs half of that. The employees were very rude and this is an extremely predatory practice. I am a XXXX XXXX veteran, XXXX XXXX XXXXXXXX causes me to be confused sometimes. This was very unsettling for me and really aggravated my XXXX. To think that a company operating on American soil can take advantage of XXXX XXXX XXXX XXXX XXXX is completely sickening and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36117
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Credit limit decreased even though i stopped using the card. I know im considered high risk but ive never been late on a psyment and this lowered my XXXX XXXX a lot. Requesting credit limit increase back to where it was please. Ive been a loyal customer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92592
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
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 have a loan with BRCLYSBANKDE. The current status should not be showing late because I paid it on time. XXXX and XXXX Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise udate this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. BRCLYSBANKDE XXXX Date Opened : XX/XX/2019 Balance : {$1800.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90036
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A