Date Received: 2022-12-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Debt was not mine
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76053
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I purchased a couch from XXXX furniture on XX/XX/2022 through the store XXXX named XXXX XXXX, the couched was delivered XXXX the XXXX with a tear, stains, XXXX different cushions, slip cover was to big for XXXX side and the couch appeared to of been dropped as it sinks in the middle. Ive tried to get them to replace the couch as I stated to my credit card company, Ive reached out XXXX times with my credit card company following up which is documented through XXXX cards which they stated they spoken to the merchant at the store on XXXX occasions. The XXXX time the merchant told XXXX card that they replaced the cushion and slip cover which was not true, on the XXXX occasion the merchant told my credit card company that they sent a whole new couch which is also not true. through XXXX furniture a tech was sent out from the manufacturer of the couch, the tech stated that my whole couch needed to be replaced. they refused to replace it and my credit card company closed the case unknowingly to me till I called back with new information and they stated that they closed the case because a merchant of XXXX furniture that they replaced my couch and the credit card company did not let me explain that I did not receive my couch and now the refund is back to the merchant and theres saying theres nothing I can do about it. I need help in this matter because this is still ongoing and Im stuck with a couch I do not want that is damaged we have already spoken with the merchant and nothing is being promised about a refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30165
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2022 my wallet was pickpocketed at XXXX in XXXX, XXXX Thieves immediately used my Barclay Credit Card to make a {$500.00} purchase at said XXXX XXXX I notified Barclay of the theft that day by phone to XXXX in customer service. I received a Barclay letter dated XX/XX/2022, attached. Subsequently I received a new card that was activated on XX/XX/2022. My XX/XX/2022 billing statement charged me for the {$500.00}. I called at XX/XX/2022 at XXXX, when customer service picked up they hung-up at XXXX. I called again and spoke with Relationship Manager XXXX XXXX her the XXXX Police case # XXXX. She transferred me to the Fraud Department at XXXX where I was again cut-off at XXXX. XXXX I called back speaking with XXXX in the Fraud Department , who informed me that the investigation was still on-going so the charge would not be removed until after they confirmed it was fraud. She insisted that I must pay the {$500.00} amount plus any interest or late charges due to that balance, even though it was still under investigation. I know better : payment would mean that I accept the theft amount as a XXXX XXXX purchase. XX/XX/2022 XXXX Police Department released their final report ( attached ). My XX/XX/2022 certified letter to Barclay ( attached ) explaining the theft with a copy of the police report and other attachments was received XX/XX/2022. My XX/XX/2022 billing statement still reflects the {$500.00} plus interest of {$11.00}. Now Barclay is telephoning and emailing at least every other day claiming I am past due, that I owe these charges, etc. XX/XX/2022 XXXX I spoke with XXXX, an Account Manager in the Debt Collection Department XXXX I explained the situation and asked for a contact number, name of a person, and address for Barclay Legal Department. He claimed there is no number ; no legal department. Hence, I am writing to CFPB for assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06460
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Dear BARCLAY BANK XXXX XXXX XXXX ( # XXXX ) ; i'm not quite sure what's going on but i was shocked yesterday when i reviewed my credit profile and noticed a late payment in the mist of COVID19 XX/XX/2021 for 30 days. I am not sure how this happened, I believe that I had made my payments to you when I received my statements or it could be COVID19 issue when I was hospitalized with XXXX last year during XXXX to XX/XX/2021. My only thought is that my monthly statement did not get to me on my current address of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MA XXXX, and i've already gave this to several of your representatives at the store. Also did you guys changed the bank from XXXX to Barclay? This is so confusing!!!! : (
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02122
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: As federally protected consumer, there have been several Fair Credit Reporting Act Violations that Have occurred on my account including 15 USC 1666b. I have tried to settle the matter of the late payments that were improperly reported to my account with XXXX, XXXX, XXXX and Barclay Card, however, My disputes were not thoroughly given the proper investigation to verify and correct the incorrect information that has been reported to my consumer credit report. This has caused harm.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95212
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are hard inquiries on my credit reports that i did not authorize. I am a victim of identity theft. I have attached a copy of my police report. I ask that these be removed from my credit report immediately. The inquires that i did not authorize are : XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 724XX
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone fraudulently opened up a Barclays Old Navy credit card in my name. I immediately closed the account, marked as fraud on XX/XX/22. Barclays was delayed in their fraud investigation, taking months and did not complete the fraud investigation only until I had the situation escalated by a supervisor after my numerous calls. I received letter that account marked as fraud and I am not responsible for this credit card however Barclays has not reported this to credit bureaus and thus my credit score continues to be severely impacted by this delinquent fraudulent account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94066
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
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 is an addendum to CFPB Complaint # XXXX. Attached is an addendum to XXXX XXXX Police Department XXXX # XXXX, filed on XX/XX/2022. The credit card institution 's, Barclays US Office of the President, has not replied to repeated communication attempts regarding the CFPB regulatory complaint. The complainant is going on record that payment of the disputed XXXX credit card charge is being withheld by the complainant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 88011
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2021 I noticed a hard inquiry on my XXXX credit report from Barclay Bank. I have never applied for anything with Barclay bank. I have on numerous occasions sent letters to Barclay bank about removing the unauthorized inquiry from my credit report as well as XXXX. I've been doing this for over a year now and nothing has been resolved. This is a form of fraud and I can't see how is it this difficult to be resolved. I also wasn't aware that a bank can just not respond to you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
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: Double payments were made to the credit card account ( credit card issuer is Barclays US which manages the GAP Rewards card ). Subsequently one of the payments was stopped at the Bank. However, the credit card company is still carrying the balance as unpaid when there are no balances to be paid. 1. Date of double payment - XXXX XX/XX/2022 amount paid were {$8800.00} and {$9000.00}. Balance on the account went into refund position due to above ( {$8600.00} ) 2. Reported double payment to Credit card company on XXXX XX/XX/2022- they were unable to reverse one of the payments as it was done online through the web portal. Was advised to ask the concerned payment Bank ( XXXX ) to stop the amount. 3. Spoke to the XXXXXXXX XXXX concerning the double payment and asked for the XXXX to be stopped. XXXXXXXX XXXX stopped the XXXX - reversing the payment amount of {$8800.00} on XXXX XX/XX/2022. 4. the management of the credit card was transferred from XXXXXXXX XXXX to Barclays bank by GAP management adding to the confusion as it appears the customer balances were not properly carried over from XXXX to Barclays XXXX 5. Reported immediately in XXXX / XXXX / XXXX XXXX through multiple calls to Barclays credit card team the issues and a payment case ( XXXX ) / consumer complaint case ( XXXX ) was generated. I explained the entire issue how they are missing the refundable balance from the XXXX XXXX when the account was trasnferred from XXXX to Barclays causing the entire mismatch. 6. Barclays Bank disregards all the explanations and hasnt resolved the payment case till now but moves the account to Debt Collection. 7. I have recieved multiple debt collection calls harrowing for payment since XXXX despite no balance due to paid. 8. This debt collection has impacted my credit history and my credibility with my lenders- infact this has led to a higher interest rates on my new mortgage i had taken in XXXX besides causing ireparable XXXX agony and harm. Still the problem has not been resolved. Consumer is holding the bucket here for something which he doesnt have any control - account transfer between Banks on taking over of the relationship and issuing of new credit cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A