Date Received: 2022-11-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I've been an XXXX XXXX Barclays credit member for over four years. I've never been late on payments and have paid down balances in excess of {$8.00} dollars. My account has been reported 30 days overdue and delinquent for an amount of {$38.00}. I reached out to the credit card company to ask that the late report be waived. I had not used the card since XXXX 2022 and was not aware of the remaining balance. I paid the full account balance of {$38.00} as soon as I was reminded, but Barclays informed me that the last payment would still be reported to the credit reporting agency. I feel as though this is unfair based on my payment and credit history with this company. I am requesting to have the delinquent status removed from my report ( across all three agencies ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70737
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I believe the employees at Barclays are using my credit card. My first call to Barclays was to tell them someone got a hold of my card and is making purchases. They sent me a new card and the new card was compromised with fraudulent purchases. Next call was to close the account. Customer service said they closed the account and I would receive a letter. No letter received. I noticed new pending charges on the card, after they told me it was closed. Next call to Customer Service was to speak to a XXXX regarding not receiving a letter and not closing the account. XXXX said it was closed and I received a letter saying it was closed. Today, Friday XX/XX/2022, I see a charge of {$60.00}. Will call Barclays again to find out what is going on. I am convinced the customer service employees at Barclays are using the account that I was told was closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I initially reported a fraud claim to Barclays Bank in or about XXXX of XXXX. Since that time Barclays has repeatedly failed to correctly handle the fraud claim. In addition Barclays has been reporting my account in default to the credit bureaus for amounts that should have been waived due to fraud. At this time there remains XXXX fraud charge of {$36.00} to a XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX that posted on XX/XX/2022. All other fraud amounts have been removed. I don't understand why this amount remains on the account as it has been repeatedly reported to Barclays. And transaction records clearly show I was XXXX XXXX XXXX away from XXXX XXXX at the time of the charge at issue. My account has accrued interest and non-payment fees due to Barclays continued failure to properly address this fraud claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19147
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: on Wednesday XX/XX/XXXX I was looking to book a cruise for 2023. XXXXXXXX XXXX advertising in the payment section showed that if you applied for a credit card you would be eligible for a XXXX credit. Nothing about waiting to receive this card or anything like that. I was given only 48 hours to hold my cruise deal I had. So I put in the the application after the application was completed, I was notified to receive my card expedited they were going to charge me a XXXX fee. So, my credit was pulled in anticipation of getting a XXXX credit on my cruise, and the only explanation I have received so far, was that they would look into it. The XXXX customer support person would not transfer me to a supervisor and said that most people just charge it to another card then get a refund from carnival. I told her that I did not have any other card, and only did this in order to get the credit and book the cruise with the offer they had for me. She told me there was nothing she could do. I feel like this was false advertising and now my credit has been pulled, and I will also lose out on cruise deal because of both company 's poor communication.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64804
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX Barclays Essential Reward Mastercard from Barclay Statement period from XXXX card ending XXXX. As soon as I noticed the card missing I reported it missing and also found out a fraud had been committed on XXXX XXXX as I reported that as well in the XXXX. of XXXX. I spoke to XXXX in the fraud dept. I spoke several times about this to no avail. The credit showed up on my next statement on card ending in XXXX however was not deducted from the bill. It was deducted from the next bill which I never received in the mail nor was it deducted. I asked many times about this error on their part. No one could gin=ve me an answer as I went on line and not only did they never credit the amount but also chaged me a late fee on disputed amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32305
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am following up on a previous complaint ( XXXX ) about fraudulent charges on my credit card. While it appears Barclays has resolved two of the charges that reappeared on my card, a 3rd charge, XXXX for {$140.00}, has also reappeared. I thank Barclays for the quick response. I have never received any documentation as to why these charges, and not the others, have reappeared after this length of time. On the phone last week, Barclays explained that there was an address match. As the cards appeared to have been lost or stolen from the mail ( and I documented this in complaint XXXX ), it is not to my surprise the persons involved have my physical address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98006
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
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 just spoke for the final time today with a " manager '' regarding this account. I called over a week ago when I noticed that movers I used charged me 3 times for a move I did on XX/XX/22. I reached out to the moving company and they did not respond to me. The card company did not flag them as fraud so I didn't realize the charges were made until I logged in to change my address and noticed the balance was higher than typical. I believe this date was XX/XX/22 but possibly sooner than that. I called and made a dispute, but the agent only disputed one of the two charges that were in question. I called back XX/XX/22 when I noticed that I only got one provisional credit after logging in to check on the status ( I assumed I would have gotten an email or message on the portal about the case but saw nothing ), then was told that they needed more information and that they were not going to issue a provisional credit because I didn't have proof that I didn't agree to the transaction. The agent then transferred me to an onshore rep who was unable to add the second transaction so I asked for a manager call back. I got a call back on Friday from a manager. She did not bother to check the reason I asked for the callback and stated, " I dont know why you asked for a call back '' and then transferred me back to the dispute department who was still unable to dispute a transaction but was able to submit a manager callback. I then called back to make a complaint and that agent was finally able to dispute both charges. Today, I got a callback from a second manager. This manager was able to confirm that they sent information to the wrong address despite having my correct address on file and they also confirmed that allegedly someone called me on XX/XX/22 but they did not leave a voicemail, I also don't have any missed call from any unknown number on this date, so I questioned if they ever called me. I asked if she could either email me or mail me the information that they need in writing, she refused to do so and said that if I didn't understand her verbal instructions ( she was not consistent in her instructions and would frequently refuse to answer questions directly ) that I risked the investigation being closed. I have NEVER had to jump through so many hoops with other banks to dispute a transaction. I have never had a company refuse to provide instructions in writing to support an investigation. I feel like they were more focused on trying to paint me out as a escalated caller, at one point I stated " be XXXX for real '' in response to one of her many snide comments and she used that as a tool to try to end the call for the duration. It took 40 minutes of her trying to dismiss my questions for her to finally calm down and just answer things directly. She even went as far as stating on the call that I recorded that the reason why she wont answer the questions I was asking for 40 minutes that she would not answer is because she believed that I " would not like the response '' Yet, when she finally answered them, I was able to have a clear understanding of the process. The merchant has not returned the money, and I as of this moment do not have a clear understanding of what is needed to finish the investigation because the credit card company has now stated that they refuse to provide me anything in writing explaining the process because they have allegedly called me to give that information although I have no record of a call and they acknowledged they never sent a letter or voicemail, etc.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20815
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX and XX/XX/2020 Barclays Bank Delawa. Late payment I need it remove because I have right of privacy, they can not furnish a account without my written instructions and a creditor may not treat a payment in a credit card account under a open end consumer plan as a late payment for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70570
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I paid off my personal loan in XXXX. I overpaid {$370.00}, waited for the next billing cycle so they would realized it has a balance to refund. They didn't send the refund. I called XXXX they asked to wait XXXXXXXX XXXX to process the refund. I've been calling since XXXX, asking the refund ( XXXX XXXX XXXXXXXX ). they see there is a refund on the system but don't know when ( no timeline ) send a check, no even they have a XXXX or something that can solve the problem. Just say, it's here, we see that is overpaid, please wait, we don't have a timeline it was escalate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93612
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor, has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A Section 2, it also states, a consumer reporting agency can not furnish an account without my written instructions. Under 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 any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 81001
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A