Date Received: 2022-11-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: THIS IS NOT A DUPLICATE REQUEST. THEY HAVE FOUR BUSINESS DAYS TO FIX IDENTITY THEFT AND IT HAS BEEN WELL OVER THAT DEADLINE. Please read and respond. You are required to remove this instance of identity theft from the consumer report or provide the written acknowledgment and authorization provided by the consumer stating that they are opting into credit reporting at the time of signing up to this account. This authorization must have been clear and provided inconspicuously to the consumer. If you are unable to provide this acknowledgment and authorization by the consumer, or if it was not clear and conspicuous at the time of signing, then you must remove this account from their report. It has been over the four days given by law. There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I did not give Barclays specific written permission or the right to share my personal, private financial information that the consumer reporting agencies have on record, and Barclays did not provide me with clear and conspicuous written disclosure that specifically gave me my rights and options for opting out of credit reporting. Therefore my rights are being violated, my privacy is being violated. I am demanding that you follow the law and that you block and remove the account identified as being identity theft and that they be removed from my consumer reports immediately. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transaction is not information related to any transaction by me as the consumer : BARCLAYS BANK DELAWARE | ACCOUNT # XXXX You are required to do what I am asking and block this transaction from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
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: When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : BRCLYSBANKDE XXXX Date Opened : XX/XX/17 Balance : {$3100.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Barclays keeps reporting inaccurate information on my credit for a debt that is not mine. I didnt receive any written notification about the debt. My credit file says its account numbers XXXX and XXXX When I try to call them I cant verify the personal information so they cant help me. Bottom line is its not my debt and they never provided debt validation per my request, therefore the debt must be deleted from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
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: BarclayCard XXXX XXXX Disputed Charge/Shipping Substitution Product XX/XX/XXXX Consumer order product, replacement auto parts from XXXX, of the eleven items were four ( 4 ) uncoated w/bracket brake calipers from the XXXX website which confirmed the availability at the time of order and thereafter with the order confirmation. At no time during the ordering process did XXXX state its inability to fulfill the customers order, namely the UNCOATED calipers. This purchase was charged to my Barclays MasterCard account ending XXXX on XX/XX/XXXX for a Total of {$500.00}. The order was three separate shipments, the first largest four brake calipers arrived on XX/XX/XXXX. Upon receipt I opened the master box containing four ( 4 ) smaller cartons removing one of these smaller box to check its contents. This first box was a UNCOATED front brake caliper. I opened the remaining boxes to fine these three ( 3 ) brake calipers were COATED unlike the first box ( which is UNCOATED ). I didnt order COATED brake calipers, I ordered UNCOATED yet XXXX substituted THREE COATED BRAKE CALIPERS instead. The other two shipments arrived thereafter XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX contacted XXXX via the website as dictated per the online instructions, fulfilled the questions ask as to why the item ordered wasnt correct, of course the generallity of these questions DONT allow the introduction of the facts but only a part number without its options thus only confirming that I received that part, even if though three of the parts I received were not what I had ordered. Because of the matching part numbers my return request for the incorrect parts was changed to, the customer fault not XXXX fault thus costing the customer a return shipping charge {$5.00} to return the incorrect parts by creating a label at the XXXX website. With the subsequent return to XXXX of these four ( 4 ) items their remained two parcels for return to complete the full order return. Customer requested return shipping labels for this but XXXX refused to acknowledge or to provide these labels. Once customer realized that XXXX XXXX XXXX was incorrect a dispute over this transaction was filed with Barclays MasterCard initially a credit was placed upon my account but later removed. At this time after returning to the merchant XXXX all parts of the order # XXXX there has been no refund to BarclaysCard Master Card by XXXX nor has Barclays removed this transaction from my account even after returning all items purchased from XXXX. First and foremost is the fact that the Merchant confirmed an order, creating a contract to provide certain product than choose to substituted it with like product instead of what had been purchased. Sort of like me ordering 4 yellow T-shirts with the merchant confirming that in fact I had order 4 yellow T-shirts, the merchant would ship to the customer 4 yellow T-shirts and than charging the customer for 4 yellow T-shirts while shipping only 1 yellow T-shirt and 3 red T-shirts, this isnt what I ordered. Dispute Closed in favor of account holder. So why is this so hard for me the consumer to get the merchant who is responsible and the Credit Card Company, Barclays MasterCard to realize that upon the return of the product purchased to the merchant the charge is no longer viable, the charge should be remove form the card holders account and XXXX XXXX should be scolded for being a bunch of idiots for expecting consumers to pay for what they didnt order I've included two pictures the first shows 4 calipers one is a different color than the other three, that one is the finish that I ordered. The other three are different than what I ordered. The second picture shows the correct finish, the correct caliper that was ordered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Barclays Bank XXXX XXXX XXXX XXXX, DE XXXX On XX/XX/2022 I used my credit card as defined under the 15 USC 1602 ( a ) ( l ) to extend myself credit through Barclay Bank for JetBlue Card. I do not understand why a denial occurred because I act on good faith and good credit. I believe this is discriminatory and unlawful pursuant to 25 USC 1691 ( a ) ( 3 ). As a consumer and creditor, I extended my credit, you did not ask me for my credit report as the one with first hand knowledge of my credit worthiness. I DID NOT benefit from extending my credit to you as the consumer and cardholder. I believe that this is an error Barclay Bank can fix. To preserve the judicial economy and save us both time and money in court. Barclay will remedy this error by : Issuing a credit card for {$20000.00} Barclay Bank JetBlue Card sent to the contact information/address stated on the credit card application. I look forward to hearing from you within 30 days, pursuant to federal law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 112XX
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I was contacted by XXXX XXXX XXXX out of Georgia. They called to threaten me with legal action for a debt that was XXXX in bankruptcy XXXX ago. They have contacted me in the past and I sent the discharge information. However they continue harassment it seems every year they circle back to try to reopen this case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08085
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
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 family and I travelled to XXXX in XXXX of XXXX I notified BARCLAYS ( XXXX XXXX Aviator ) that we would be overseas for our travel dates XXXX XXXX. My husband has an extension card on my account which is what we used 95 % of the time during our trip to XXXX, XXXX and XXXX. In XXXX, my husband 's card was declined a couple of times since we were out of the country. He called the XXXX and had that fixed. Not sure why this happened since I notified BARCLAYS about our trip maybe 1-2 weeks prior to our trip. In XXXX, I used my own card a couple of times. Now, in XXXX, I get a text alert from my Jet Blue card ( both my XXXX and Jet Blue cards are under the same account ) saying there was an attempted purchase at an XXXX XXXX for {$1600.00}. They asked if it was me and I pressed the option that it was NOT me. ( I have the text records ) The same day an attempt was made with my XXXX XXXX for the same exact purchase at XXXX, yet I did NOT receive a text at that time. In XXXX from XXXX XXXX only ONE charge on MY card was made by me at a XXXX type pharmacy called XXXX on XX/XX/XXXX. There are another I'd say 6 at the same store. All other charges on XX/XX/XXXX and beyond are not mine. All other authorized charges on this account were made with my husbands card extension and it is confirmed in the charges in my statement. When I got back to the sates, I went through my account and saw that there were multiple fraudulent charges in XXXX. About 25 of them to be exact. The {$1600.00} at the same XXXX store as well as small charges at cafes, post offices, computer repair shops and large XXXX XXXX purchases. All of these fraudulent charges totaled about {$2100.00}. I called and spoke to a XXXX XXXX at BARCLAYS for 40 minutes on XX/XX/XXXX. We went through ever single fraudulent and not fraudulent charges. She marked them all and went through them at the end. At the beginning of the conversation, I explained to her that about my travel notice to card, as well as travel dates and that I wasn't quite sure what had happened to my card, but it was either stolen at the airport or fell somewhere or pic pocketed. All in all, I told her I no longer had my card and had looked for it when I saw the fraud upon my return home but couldn't find it. I was honest and it is on that phone call record which they confirm to have all phone records. Well, it has now been over FOUR MONTHS since my 1st call to BARCLAYS XXXX XXXX XXXX Aviator ) about the fraudulent charges. Although they at first removed the XXXX charge and some of the smaller fraudulent ones, they sent a letter stating that they reversing it citing that the purchase was mine because " chip technology was used ''. Well, it was not in my possession, no pin was used which I don't understand why you don't need a pin for that size of a purchase. It has been a complete nightmare to fight these fraud charges. I have been treated with the worst customer service. Have had to call so many times to have to tell different agents the whole story. They have read notes TO ME on my account which are lacking probably 80 % of the information I provided them with during my first phone call. There has never been one person in charge of my case, as I have been told it is the whole fraud department that works on the cases. I have received about 5 letters total about the charges. The first one removing the fraudulent charges pending investigation and then a bunch of poorly written, short answers with little explanation on their decisions. I have received ONE call when I requested a call back from a manager stating that I should FAX documents pertaining to my case which I found unnecessary and disrespectful as they had everything in the system and was NEVER asked to send in from the beginning, and I had to call 10+ times ( since everything takes " 7-10 days to review '' ). This was basically to give me the run around as they had been for months. Since there wasn't anything else I could do ( before I knew about this site ) I prepared a detailed package of 9 pages which included everything from a cover letter explaining the details of the issues, XXXX phone records with my calls to them, airplane tickets. Highlighted fraud charges on my card, authorized charges on my husband 's extension card and a screenshot of their text to me about the attempted XXXX purchase with my other Barclay 's card ( Jet Blue ) On one of my first calls, they checked and CONFIRMED I never received the fraud alert text for the XXXX fraud charge on my XXXX XXXX, the card I have been writing about in this complaint. I believe most of these months except the last two we had been making the payments in full- as we always have on a very timely manner since I got my card many years to avoid interest. We have started in the last couple of payments to only pay the minimum amount since we can no longer continue with this circus and disrespectful situation nor do we have the funds to! Now, to top all of this off, there were two charges made on my cards prior to my trip on two cancelled hotel reservations. These were easy to take care of as I called the same day to advise them of the situation. One had not posted yet and the other was a charge on a XXXX reservation which was also cancelled, and I received confirmation of its notification from the result that I would not be charged. These charges which were already removed and haven't been an issue at all since my call to them in XXXX prior to my trip are just now coming up for an unknown reason and being put back into my statement! This is unbelievable. Also, they had apparently removed some XXXX charges which were clearly mine without my knowledge which shows just how messy and unprofessional this ordeal has been. So, the last two letters received in XXXX were of the reversal of those hotel charges and some random XXXX XXXX charges. I am beside myself. I have not received a call or a letter or a call regarding my required " fax '' to them from the very first days in XXXX regarding my original complaint in regard to my XXXX fraud charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33185
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I recently did a debt consolidation, Barclay credit card company received their payment to close this particular account, and they were accidentally mailed an additional check from my bank XXXX that was supposed to go to another credit card company as part of another debt consolidation that was not made out to Barclay. They went ahead and cashed this particular check, and have placed the balance of this check into this now closed Barclay account, I have no access to retrieve this remaining balance to pay off my other outstanding loan, and they have yet to cut me a replacement check, mail it to me on a timely basis, and have dismissed their responsibilities, with no further correspondence to these funds being returned to me. XXXX Bank where I have the consolidation loan has been of no assistance in this error, and have been handling this error on my own.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have not opened a XXXX XXXX account with Barclay and when charges were fraudulently charged to when they claim is my account, I promptly contacted them on multiple accusation both online, webform and via phone. I was sent a letter from Barclay dated XXXX XX/XX/2022 determining I am not responsible for the charges. Barclay even sent me check for fees charged as a result of the error they made. Barclay is now is ending statements adding late fees, all sorts of bogus fees and inappropriately and incorrectly reporting inaccurate and false information the three credit reporting agencies. They continue to send me letters stating that a review of my supposed account needs to be checked and when I do call they claim it will be taken cared of, yet they continue to falsely report the balance to the reporting agencies. I have and can provide copies of these letters. This isn't the first time Barclay has engaged in this same activity attempting to scam customers into paying false and inaccurate amount, as I have them to the CFPB and XXXX. I have spoken with legal representative and will files a lawsuit against Barclay if they do not swiftly correct their intentional mistakes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84120
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My wife and I are both XXXX veterans and I am still active with the XXXX XXXX. What the people at XXXX have done to us is abhorrent. All the people at that company have done to us over the years is lie and take advantage of us. We haev written a letter outlining all of our issues and are happy to provide whatever we can to make this right and cancel out our entire ownership.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A