Date Received: 2024-01-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Attn : Barclays Bank Delaware ; Office of the President : To Whom It May Concern, I am in receipt of your correspondence dated XX/XX/XXXX in which you failed to address and properly investigate a complaint against your corporation specifically regarding the mishandling of securities and potential securities fraud. On XX/XX/XXXX, You, Barclays Bank Delaware, hereinafter ( " Barclays '' ) was issued a financial asset via electronic chattel paper by the Applicant in the form of a credit application XXXX, Message XXXX ( consumer credit transaction ), which Barclays used, without giving valuable consideration to open and establish a Barclaycard XXXX with XXXX XXXX account that was later transitioned and converted to a Barclays XXXX XXXX, which as the Authorized Representative/Agent and Beneficiary with beneficial interest of the Legal Entity/Principal to the account, am entitled to the rights, titles, interest and equity accrued due to the entitlement holder and beneficial/registered owner. Pursuant to Barclay 's Monthly Servicer Certificate/Statement and Form of 2023-2 Indenture Supplement filed with the Securities and Exchange Commission , and per Barclays Director/Treasurer, XXXX XXXX, Barclays Bank Delaware as Servicer, Barclays XXXX XXXX XXXX as Transferor/Depositor , Barclays XXXX XXXX XXXX as Issuer and XXXX XXXX XXXX XXXX XXXX XXXX XXXX as XXXX XXXX XXXX collectively have certified the pledging and conveyance of the accounts receivables/asset backed securities ( commercial/chattel paper ) as collateral to third-party investors as a primary means for Barclays to raise capital to which I have not received just compensation, equitable compensation, interest or benefit from despite my involvement. Furthermore, Barclays is erroneously reporting deceptive and harmful information, resulting in a defamation of character to the consumer reporting agencies making false claims and allegations of the account being owed, past due and in a charged-off status. I would like to inform Barclays that the account is federally protected, backed by full faith and credit of the United States and insured up to XXXX USD by the FDIC in the event the account was to ever go into " default. '' If there are any FDIC insurance claims filed and received on behalf of the Principal 's account by Barclays, or any IRS 1099-A or 1099-C tax forms filed without the Prinipal/Agent 's knowledge, consent or authorization, Barclays will certainly be held to the highest extent of the law for making such claims to unjustly enrich themselves and I lawfully demand the request and receipt of such documentation. I refuse to be extorted by Barclays in any attempt to request or expect any further payment pertaining to the Barclays XXXX XXXX account. Lawfully, a contract of adhesion is biased, unilateral, unethical and unenforceable in the court of law, the XXXX XXXX XXXX in Delaware specifically. Additionally, per XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX University and XXXX XXXX XXXX, XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, state that U.S. Treasury securities are direct obligations of the U.S. Government issued by the Department of the Treasury. They are backed by the full faith and credit of the U.S. Government and therefore are considered to be free of credit risk. To further confirm incontestable proof and validity, please refer to Title 31 U.S. Code 3123 ( a ) ( b ) ( c ) for verification. Lastly, and for the record, the credit/funds " loaned '' were and always have been credit/funds issued by the Principal/Authorized Representative/Agent via a consumer credit transaction for personal , family and household purposes backed by the Truth In Lending Act. In light of the foregoing, I am no longer obligated to make any payments to this account. I also demand the legal right to the equitable portion of interest accrued and/or the FDIC insurance claim payment if applicable. Please provide me with written confirmation immediately stating that you have released the Principal from all liability for this account. Also confirm that the Principal will receive their full equitable portion of the FDIC insurance payment without any further delay. Please treat this matter with utmost urgency and take immediate action to rectify these bad faith and unwarranted acts by Barclays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Per 15 USC 1681c-2, this is the statement that the information identified is not information related to any transaction made by me the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Barclay hard credit inquiry not authorized by my spouse or myself.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 486XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a late fee my first time using Old Navy Rewards Card ( Barclays Bank ). I called in XXXX to ask if they would remove the late fee and said that I would pay it in full immediately. They agreed and waived the fee and I paid in full. They did not actually waive the fee and so I got charged another late fee on top of that. I called again as soon as I noticed and was told the fee was waived its just pending and that they will also waive the new fee. The new fee was waived but still not the original fee. I called again and got the same answer that somehow this late fee is still pending since XXXX and theres nothing else they can do besides remove the SECOND new charge. Now, today, I once again incurred a late payment fee and owe more on the card than I had ever charged in the first place ( I made a purchase for about XXXX dollars and haven not used it since because of this issue ), as I now owe XXXX dollars. I cant even use this card because they have not sent me one in the mail since I got it back in XXXX so there is no way I should owe any money to this bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07112
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
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/XXXX, I received an alert from the credit card company Barclaycard US that potentially fraudulent transactions had been charged to my account. I logged into the app to check recent transactions and confirmed that the pending charges were not purchases I had made. I also noticed another transaction from a week prior, XX/XX/XXXX that I had not made. I immediately called the company and confirmed that the flagged transactions were fraudulent and that the other transaction from XX/XX/XXXX was also fraudulent. This transaction was from a merchant called " XXXX '' in XXXX and was for {$2500.00}. The XXXX transaction, as well as the other fraudulent charges, were reversed. My current card was cancelled and a new card was mailed out. This month, on XX/XX/XXXX, I was checking my transactions in the app when I noticed that the XXXX transaction had been charged to my account again on XX/XX/XXXX. I immediately called the company and was notified that they had determined that I was at fault for the transaction based on records that the merchant had provided. I was never contacted for details about this transaction, nor to confirm or dispute the supposed evidence the merchant had provided. This charge was indeed fraudulent. I have never purchased anything from this merchant, and have not received any goods or services from this merchant. During this phone call with customer service, I requested that any documents they used to make their determination be mailed to me. As of today, XX/XX/XXXX, I have not received anything. Additionally, I was told that this case would be re-opened and reinvestigated, however the charge is still on my account, and I am being charged interest on this charge, for which I am not liable.
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: 2024-01-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
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/XXXX I had a hotel reservation. Me and My partner XXXX XXXX was at the hotel for the reservation. The hotel was overbooked and we were stranded in their lobby. The company still charged me for a hotel room that was not available. Not sure if this is bait and switch but at the very least I should be refunded the room. The company refuses to credit us they state if I cancel the reservation it is not refundable. However we did not ever cancel anything, it was overbooked.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Some tried to open a Jet Blue Barclays card in my name but I have credit reporting locked down so the application ( application # XXXX ) was denied. Is there anything you can do to track down this attempt at identity theft?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Had XXXX interest intro offer from Barclay 's Bank for Priceline Credit Card going back a year. Cancelled the card by phone call to Priceline XXXX on XXXX XX/XX/23 ( please listen to recording ) and destroyed it. Leaving me a XXXX balance. Most always paid off balances monthly during time I used the card so no interest should be charged. Noticed that {$12.00}. XXXX interest charge effective XX/XX/23 on this XXXX balance but paid under protest. Wrote to Barclay 's to complain about this and dispute these false charges @ XXXX XXXX. Received response from Barclay 's that insulted my intelligence. They claimed I cancelled the credit card XX/XX/XXXX or some gaslight nonsense. Reduction is for them to refund me {$510.00} And like I told my co worker when I went with her to her church and the pastor got up to preach at XXXX XXXX : they won't have to worry about me no more, no way, no how
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
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 had fraudulent charges for an amount of {$37.00} in XXXX of 2023 on my Barclay 's credit card I have been trying to have them removed only to get a run around from the company with them now adding late fees for that amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32211
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
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: - XX/XX/XXXX I made a purchase on my Gap Card through paypal in the amount of {$120.00} - XX/XX/XXXX a refund was processed for the total amount ( {$120.00} ) from XXXX through XXXX. - XX/XX/XXXX - I called Gap Mastercard to ask why I am still not seeing the refund reflected on my account. I was told that at some point during the time of the purchase and the time of the refund my Gap Mastercard acocunt was transferred from XXXXXXXX XXXX to Barclays and these transactions will take 30 days to reflect on the account since it was refunded to my XXXX account number. - XX/XX/XXXX -I called b/c the amount was still not reflected on my account and was told it takes 90 days NOT 30 day. - XX/XX/XXXX - I called and was told they have no idea where the money is. " call XXXXXXXX XXXX '' and see if they can help. I called XXXX and was told they are not the account holder. I called XXXX and was told the refund was processed ( I have proof of this ) and called Barclays again. They said they will open an " investigation '' and a supervisor will call me back within XXXX hours. XX/XX/XXXX - I called Barclays ( the phone number on the back of my card ). There is no record of an investigation, only records of my previous calls and I should try to call Gap Customer Service ( the store!! ). They do have record of the original transaction but not of the refund, " sorry! '' They said no supervisor available but will call me back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60654
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A