Date Received: 2024-01-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I did send the credit company what they requested but everytime i send the document they came up with another request
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2024. I got an email that my credit report was accessed. When I logged on to access my credit report, I did not recognize the credit requestor ( Barclays Bank ). I immediately contacted them, after about 30 minutes of back and forth they transferred me to their fraud department. XXXX, the gentlemen I spoke to said to give them about 30 days for them to update that inquiry. In XXXX I access my report and the inquiry was still there. I figured with holiday they were busy and didn't want to spend another 30 minutes of my time on the phone with them. So I decided I would just give them more time. It is now almost 90 days after and the inquiry is still reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Barclays XXXX XXXX XXXX Elite Mastercard closed my account stating that I was 90 days past due. The charge that was past due was an annual fee. Prior to this charge the card had a XXXX balance for over 3 years. I had no idea this card had a balance due because I never received any statements by email or mail. The email address used for paperless billing was not mine. The only notice I received by mail was the notice stating that I was 90 days late and my card was closed. I had no knowledge of anything on this card. Fast forward a year later, Im in the process to purchase a house. When my credit report was ran, it showed I had a derogatory mark on my credit report for an account I had no knowledge about, but the account has a XXXX balance. I called Barclays to speak with someone regarding my situation, they told me to file a dispute with XXXX, XXXX and XXXX Credit Bureaus and then with those findings Barclays will change my account to reflect their findings. All disputes came back accurate and verified and they removed everything from my credit report. Barclays on the other hand, is making me jump through hoops even though it has been verified with all the credit bureaus. Barclays told me that they put my account to zero balance out of courtesy to me, again without my knowledge. Yes they took away my balance and made it XXXX, but they also put my credit reports in a negative mark. It was showing that I was 30, 60 and 90 days late. Which is a big red flag for any lender. Trying to call Barclays is horrible, customer service for this company is horrible. Requesting information from Barclays to send a letter is done by mail only. They do not expedite mailings, even when I requested to pay for it. I feel like calling them is like calling another country and they are located in XXXX, Delaware, in the United States. I will never recommend anyone to do business with Barclays. They will actually be the one credit card company I tell people to avoid!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90731
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: OnXXXX XXXXXXXX was unable to access my XXXX} savings account. Company has incorrect information of my mothers maiden name and place of my first job. they refused any further help and I can not access my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33181
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
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: Barclays Bank jetblue credit card sent me a card with a new expiration date by mail since it was about to expire in XX/XX/XXXX. While I was waiting for my credit card in the mail, I received an email saying that my card was activated when Ive NEVER received the card and I DID NOT activated it. Someone stole it and used it and made a transaction for {$2600.00} in a car dealership in XXXX, over XXXX miles away from my house. IMMEDIATELY, I called Barclays JetBlue Credit card company to inform them of the theft. They removed the fraudulent amount from my credit card and sent me a new one with a new number. I thought that issue was taking care by the BARCLAYS BANK since it was a fraudulent transaction. Unfortunately, XX/XX/XXXX, Barclays Bank placed {$2600.00} back onto my credit card, when Ive NEVER authorized or validated it anyone for that purchase. I have never made that transaction neither did I got any benefits from that. XX/XX/XXXX, I got a letter from Barclays Bank letting me know that I was not responsible for that fraudulent transaction and removed the fraudulent activity from my credit card. HOWEVER, what makes me concerned about this letter is that last paragraph says that if the merchant is able to validate the transaction again, THE TRANSACTION MADE BY A THIEF WHO STOLE MY CREDIT CARD, Barclays Bank could place the fraudulent transaction of {$2600.00} back onto my credit card. REALLY!?! Barclays Bank still continuing with threats, harassment abuse and mistreatment towards me. I have never gone through a situation as stressful and traumatizing as what I am going through with Barclays Bank. If someone stole and used my credit card, Barclays Bank and the merchant will accept/ validate this transaction without asking for an identification, notifying me or verified me by email or text message if this transaction was made by me. Are Barclays Bank trying to hold me accountable in the future for a fraudulent charge that a thief/scams made with my credit card?. They need to remove this amount from my account definitely.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: In XXXX of XXXX my spouse received and email requesting that I contact a debt collection agency. Upon calling them, I discovered that my Banana Republic credit card balance was past due and had been sent to collections. I have never received any notices to this effect and was never sent a bill and the company never attempted to contact me to notify me of the past due balance. Upon further investigation I found out that XXXX XXXX had sold the Banana Republic account to Barclays. I was never notified of this change and never contacted by either of those companies. In fact, neither company had my correct billing address or phone number. I have lived at my current address since XXXX and changed all of my addresses upon moving which means XXXX provided incorrect data during the transfer to Barclays. I had automatic payment set up so my balance would be paid off each month and I would not have to worry about past due balances. I'm assuming this automatic payment arrangement didn't transfer over when Barclays took over the account. Had I been notified of this transfer of ownership, I could have prevented this from happening. I have opened a dispute with the credit reporting agencies and tried several times to contact Barclays to pay off the original balance which as only {$72.00}. ( I have been sent to collections for {$360.00} with interest. ) That absolutely was my debt but since the account has been transferred apparently they were not able to take the automatic transfer from my bank account as they had been doing in the past. Once again, no attempt was made to contact me by either company involved. XXXX and Barclays have an obligation to ensure that they have all customer information correct and notify customers of any changes to their account. Since this was never done in my case, I'm filing a complaint against both of these companies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80134
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/XXXXXXXX I received an alert in my credit monitoring account where a utility accounts that is not mine, is reported in collection under my name and I noticed that i have two accounts that were opened under my name without my consent or authorization. I immediately took action on this issue because i have never had a bad credit history and also, noticed an incorrect name and incorrect address that does not correspond to me. I already reported my suspicions at the police department. Know in XX/XX/XXXX, i receive a new notice about other account reporting under my name that i have never used from BRCLYS BANK and they reporting lateness. This account and the other two from XXXX XXXX and BRCLYS BANK also reporting the same thing. Please helping me with this issue because i have many time trying to resolve this mare with the credit bureaus and nothing happens.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10461
Submitted Via: Web
Date Sent: 2024-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I checked my credit score XXXX, as I do nearly each day and noticed that there was a balance of {$17000.00} associated with a Barclays Bank credit card that I have never had in my possession. My credit score also dropped significantly because of this. I immediately contacted Barclays Bank. They searched my accounts and showed that there is a XXXX balance, and they didn't see a {$110000.00} charge on the other card associated with them and that which is showing up on XXXX XXXX. The card associated with this fraudulent and suspicious activity is BARCLAYS VIEW MASTERCARD. Barclays suggested that I contact my financial and reporting institutions immediately to report this, which is what I am doing at this moment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06514
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I got an email on XX/XX/scrub>XX/XX/24 saying I applied for a JetBlue credit card and that I was approved. I got another email saying the will send me my card in the mail, and the last email I got was saying thank you for going paperless. I never applied for a JetBlue credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 961XX
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is regarding CFPB complaint XXXX. Due to be Barclay 's negligence and incorrect reporting in accordance with FCRA regulations, I have moved forward with getting an attorney to sue your company. Your response to the aforementioned complaint was that you sold the account and then repurchased it due to it being out of the statute of limitations according to the third-party vendor. The complaint in itself was to make you aware that it was obvious that this debt is uncollectible due to the statute of limitations, and you still have a balance of {$1100.00} reporting on a closed account that has been uncollectible since XXXX. In your complaint you stated that in XXXX, the account was recalled. Even still, the statute of limitations is 4 years in the state of Texas, and you are still reporting inaccurate data and trying to collect this alleged debt. This complaint is to make your XXXX aware that I will be seeking litigation due to your clear and obvious gross misconduct. Furthermore, there was never notice sent to me years ago that this account was being sold. I never received a 1099c form which is illegal, and I was informed be the IRS to file form 3949a for illegal tax violations. The following account XXXX should be removed from my credit report IMMEDIATELY. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617 and I will be moving forward with the filing of form XXXX as advised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A