Date Received: 2022-12-05
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: My dispute began in XXXX of this year, 2022. I am a XXXX Rewards Member and I have theWyndham Rewards Earner Visa CC issued by Barclays in Delaware. On XXXX of XXXX I made areservation with XXXX XXXX for XXXX XXXX XXXX XXXX had points for 2 nights freeand 2 nights with points and money. I stayed at XXXX XXXX in XXXX AZ. I checked in on XXXX XXXX. I went to my room and found a man in the bathroom. I rushed right out of the room and went tothe front desk. I was so scared. I informed them and they told me no one else was assigned that room. Iwent back and the man was no longer there and this time I notice a stifling odor of cat XXXX. I went backto the front desk and told them that I need another room, I am terribly allergic to cats and I couldn'tbreathe. I had to wait for another room. They told me that it was the last room they had and if I was nothappy I would have to find another hotel. The next room smelled but definitely not as bad as the first room. This was the week before XXXX spring training and no availability for a hotel rooms anywhere.The rooms that were available would cost me an arm and a leg. So with no options I stayed reluctantly.Not only was the property a slum the parking lot was full of pot holes, the doors and grounds werefilthy, the toilet was unsteady when it was used and it would tip forward : (. I called XXXX and I gotno assistance! The cherry of this whole ordeal was that It took me and 10 other guests over an hour tocheckout. There was only I person answering the phones and checking out guests. I called and filed acomplaint with XXXX XXXX XXXX XXXX department. I insisted on a refund of my pointsand money. When I got my statement in XX/XX/2022 I was charged twice by XXXX XXXX, 2 differentamounts, {$220.00} for my 2 free nights and {$220.00} for the other 2 nights that should have been billed XXXX for my 2 free nights. I called the hotel, XXXX XXXX XXXXXXXX XXXX, and Barclaysto dispute the over charge and for a full refund. In my XXXX XXXX I was given a credit for my stayby XXXX XXXX for {$230.00} and a provisional credit of {$220.00} by Barclays. I thought that this was it butit wasn't. Barclays rebilled me on my XX/XX/2022 statement for {$220.00}. I filed a dispute to Barclays.Because they should have contacted XXXX and charge them for the Provisional Credit they hadissued me for the 2 nights that XXXX XXXX should have billed XXXX {$220.00} for my two free nightsthat I got with just points. The other 2 night I paid with points and money. I have filed dispute withBarclays and they won't contact the hotel because they charged me for the 2 free nights. It should havebeen billed to XXXX XXXX. It's been over 90 days since this entire ordeal and Barclays won'taccept theirs and XXXX XXXX XXXX mistakes. My balance should be XXXX but its not. I've overpaid my bill XXXX XXXX for {$29.00} so that It wouldn't affect my credit report. Unfortunately it has carried on for this longwith no resolution in sight. It has affected my credit report. I decided not to continue paying an amount Ido n't owe. They won't accept their mistakes. I paid off my entire balance in XXXX. I need Barclays tocredit my account for {$230.00} + overpayment of {$29.00} + interest + late fees. I should not be responsiblefor the mistake of these two companies. XXXX XXXX is the manager of XXXX XXXX were I stayed. XXXX from Barclays Office of the President said he couldn't credit my dispute beause it was over 90 days late. Barclays reported me to the credit bureau for being late over 90 days. I DON'T OWE THIS BALANCE. I've made over 55 calls to XXXX XXXX, XXXX XXXX, Barclays, I filed a complaint against Barclays with the XXXX of Delaware. PLEASE HELP ME! I have attached my billing statements from XX/XX/2022- XX/XX/2022. I should not be charged for anything from XXXX XXXX. I paid the XXXX XXXX {$110.00} & XXXX XXXX XXXX {$300.00}. I am adding that I was given a credit by XXXX XXXX for my stay and overcharge. I wasn't able to provide documentation from the hotel at the time. I asked them to forward that information to Barclay because I was UNABLE to get an email address to Barclays to attach this information. The hotel was unable to reach Barclays. They only take messages and promise a call back that never happens. I have a letter and email from XXXX XXXX. I was already credited for the stay, however the credit is not showing. They insist I never filed a dispute so I'm attaching an email from XXXX XXXX, from XXXX XXXX, a letter from XXXX XXXX advising Barclay of the credit they should have given me. I should have never been charged twice. Barclays has closed my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60432
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I had an account thru XXXX XXXX for a Gap credit card, someone changed my address and charged XXXX worth of fraudulent charges to my card. I have been in contact with XXXX since XXXX 2022. They failed to do anything about the charges. They transferred the portfolio to Barclays Bank in XXXX. I have contacted them several times and have been told they cant help me. XXXX and Barclays both say there is they can do to help. Please help me, this is impacting my life. I have always paid my bills on time and take pride in maintaining a great credit score. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 414XX
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
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/29/22 I purchased {$380.00} worth of merchandise from XXXX XXXX ( Barclays Credit Card ). On XX/XX/XXXX22 I returned XXXX worth of merchandise. I then returned an additional {$180.00} worth of merchandise on XXXX/XXXX/22. The charge and XXXX was on my statement. I had to dispute the {$180.00}. Barclays finally on XX/XX/XXXX22 issues my credit confirming a XXXX balance. At that time I closed my account. On XX/XX/XXXX22 I received a letter stating they issued me a provisional credit of {$100.00} and that I now owe them this amount. I called and spoke to XXXX people on this same day. I have repeatedly asked to speak to a supervisor and I have also offered to send in my original receipt along with both receipts showing the merchandise I returned. I returned a total of {$290.00}. I do not owe XXXX. That was an accurate credit as I returned merchandise. It is now XXXX and this has been going on for XXXX months. I would like them to get their accounting straight and bring my balance back to XXXX. This was an extremely frustrating and stressful when XXXX people can not understand simple math. The last person I spoke to on XX/XX/XXXX said it was an accounting error and it would be taken care of. I called XXXX today XX/XX/XXXX22 and they still show I owe XXXX. I would like this resolved. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 537XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX Date Opened : XX/XX/2014 Balance : {$31000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there are possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In response to offer of 80k bonus miles and waived annual fee for first year, opened a Aviator Business credit card for a sole proprietorship.Met the spend requirement for 80k bonus offer but have not received the bonus miles as advertised. Contacted company after first statement to inquire and was advised to wait 4-6, or after next statement close for miles to post. Despite waiting the requested time and having another statement close, have not received 80k bonus miles.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account # XXXX, As violated my rights. 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32114
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I recently received a copy of my ( XXXX, and XXXX ) consumer report, and I noticed that it is reporting an item without my permission. BRCLYSBANKDE XXXX # XXXX. I have not given you ( Barclays Bank DELAWARE ) permission to furnish this item on my consumer report, therefore I am requesting it be deleted immediately. Barclays Bank DELAWARE is also committing fraud by NOT DISCLOSING TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. This action has led me to uncover several violations by Barclays Bank DELAWARE. This item has 2 violations that I want to identify at this point - according to FCRA - Obligations with respect to disclosures, and Permissible purposes of consumer reports. Barclays Bank Delaware illegally report item without my consent and written approval. BRCLYSBANKDE XXXX # XXXX. List of violations ( this may increase as I review this account further ) : Barclays Bank DELAWARE is in clear violation of 15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) Barclays Bank DELAWARE is in clear violation of 15 U.S. Code 1681b Barclays Bank DELAWARE is in clear violation of 15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information You ( Barclays Bank DELAWARE ), DIDNT DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT-OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer right have been violated, and I have been taken advantage of. This is a fraudulent omission of my right. Barclays Bank DELAWARE is in clear violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Barclays Bank DELAWARE furnished this report without my written instruction permission. This is a clear violation and fraud. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. Because of your illegal act and continued violation of my rights, I have been denied mortgage loans, personal and business loans, bank accounts, and credits by several banks for months. I am giving your 48 hours to CEASE and DESIST from reporting this account to all customer reporting agencies. Failure to respond satisfactorily with the deletion of the above items will result in legal actions being taken against your company for which I also will be seeking {$1000.00} per violation for : 1. defamation of character 2. negligent non-compliance 3. civil liability 4. XXXX XXXX 5. FCRA 15 USC 1681 violations for willful noncompliance -616. Civil liability for willful noncompliance [ 15 USC 1681n ]
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
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 started disputing errors, omissions, and inconsistencies on my credit reports on all 3 major credit bureaus. I know Barclay 's received my disputes because of XXXX After 45 days, I noticed my disputes were ignored, and not even marked in dispute. I disputed the account again though the credit bureaus, and with Barclay 's directly. While one or 2 of the items I disputed were modified, the credit reporting is still loaded with errors. After consulting with a professional, I decided to file for arbitration against Barclays in XXXX. It is now XXXX, and other than their attorney introducing themselves, no action or communication has happened. Even now, I am willing to resolve the matter if they would simply communicate with my authorized representative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28560
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I am going through financial hardship and was trying to figure out payments. Barclays had called me several times and I was finally able to accept a low interest payment plan. I spoke to a representative on XX/XX/XXXX for over XXXX minutes. I accepted a low interest payment option and all of the terms over the phone. 5.99 % interest with a minimum payment of {$150.00} a month. I scheduled payments out until XXXX of 2023 for auto draft and gave my banking information. They have called and emailed me now stating my account will be charged off and I didnt not schedule payments. They have also stated my program is no longer available.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 740XX
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The XXXX XXXX XXXXXXXX XXXX XXXX I have called XXXX times since XX/XX/2022. XXXX XXXX switched banks in XX/XX/2022 and as a result they removed my autopay which I had always used. When I realized it I immediately paid the bill in full on XX/XX/XXXXXXXX XXXX. XXXX XXXX XXXX said they would remove interest and late fee. I had called on XX/XX/XXXX, XX/XX/XXXX. Each time told fees and interest would be removed. Called today, XX/XX/2022 spoke to XXXX XXXX XXXX XXXX XXXX XXXX stated that the XXXX XXXX error is because they credited the old account ending in XXXX not the new one ending in XXXX. As a result of XXXX XXXXXXXX 's error, I have received XXXX phone calls early in the morning and late in the evening for XXXX in which no one wanted to help me they only wanted me to pay the bill which was made up of only late fees and interest.. My XXXX XXXX with all XXXX agencies has gone down over XXXX points. I have had to make countless calls to XXXX XXXX and have spent over XXXX XXXX on the phone. Presently, I have been on the phone over XXXX XXXX XXXX XXXX with XXXX XXXX. I need IMMEDATELY FOR XXXX XXXX TO CONTACT THE XXXX XXXX and remove their errors XXXX. I AM TOLD I HAVE TO WAIT UNTI XX/XX/XXXX for XXXX XXXX TO contact the XXXX XXXX. I WANT MY CREDIT REPORT UPDATED XXXX. I SHOULD NOT HAVE TO WAIT. THEY ARE RUINING MY CREDIT BECAUSE OF THEIR MULTIPLE ERRORS. I WANT MY XXXX XXXX RETURNED TO MY SCORE PRIOR TO OLD XXXX NOT FIXING THIS AND ALLOWING MY XXXX XXXX TO BE AFFECTED!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11010
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A