Date Received: 2024-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: While trying to secure housing, there was a direct negative impact these inaccuracies had on my rental application. I had damages on my credit report because my personal information was exposed in the XXXX data breach.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My issue involves ALL credit card companies. I have discovered that when a person receives a refund to their credit cards for purchases, the interest is not corrected. While reading my XXXX XXXX XXXX XXXX card statement, I realized the interest charged for a purchase was not reversed when I was issued a refund. I called customer service and questioned the action, or lack thereof, to which the agent agreed and provided a refund for the charged purchase 's interest. I recall this taking place once before with my XXXX XXXX card. Typically, customers are only concerned with the money being refunded by the company the purchase is made from, and do not pay attention to the interest charged by the credit card companies. Not reversing the interest charge for refunds is allowing credit card companies to collect thousands of dollars from unknowing customers. I have not contacted my other credit card companies. Although, I would like to go back to the inception of all of my cards and ensure the interest has been reversed for all refunds I have received. I am requesting a higher investigation into this matter as many credit card companies will charge customers for statements past a certain point, which is also unfair.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95687
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am called at least 2 times a day ( sometimes 3 ) everyday Monday through Sunday, starting at XXXX and ending right before XXXX from Barclays Bank ( XXXX ). I am calling all of my creditors to set up payment plans. Some I have not gotten to. I am so frustrated by the end of the day, that I don't call this one. I work during the day and can't answer my cell phone! I have to silence my phone, because they call everyday like clockwork. I am getting at least 15 calls in a 7- day period, sometimes 21 calls. I am then getting blocked calls when I don't answer. These calls started around XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72301
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
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: I was billed for an XXXX stay in XXXX of XXXX for around {$880.00}. During this stay I had to come out of pocket for things that were to be in the unit. And for other things, I just didn't have during my stay even though they were advertised. I requested a refund of {$100.00} ... to cover out of pocket expenses. The host approved the refund but I believe there was a typo as it was only {$1.00}. XXXX will ONLY allow you to escalate from there directly to them. I did just that. XXXX refused to assist, I was passed to so many different representatives and told so many different things that after 2 weeks I decided just to dispute the amount with my Barclays card. After submitting my dispute online, I was told by a representative to submit the correspondence either with fax or mail. I have not had a fax since XXXX so I mailed it over a month ago. I messaged them in their secure messaging asking for confirmation one way or the other if they received the physical copy that had receipts/correspondence to back my online dispute and they refuse to give me an answer on whether they would assist with this dispute and protect my purchase. I was never even credited the amount while being looked into. I have had contact about this issue with Barclays no less than 5 times ( online, messaging, phone/chat ). I will have this card paid in full within the next week and have locked it from any other use but I still want my {$100.00} back on my purchase/refund, they can mail me a check. I have attached the dispute in print ( only taking out my full account number ), along with all of the info I send to them including my receipt. Please let me know if there is anything further you need from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30342
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, multiple charges were attempted on my Barclaycard, several from merchant showing as XXXX. I was notified via text by the credit card company to call to confirm. I called in and advised an agent the charges were fraudulent. My card was closed, I was issued another one with a new number. The transactions never posted to my account. That is until XX/XX/XXXX, when I noticed that a charge from XXXX appeared on my acct for {$580.00}. I clicked on a button that said " dispute charge '' multiple times as there was no indication or confirmation that the claim was filed. The screen just returned to my account. I assumed I would receive notification that the claim was filed in the mail. Today, XX/XX/XXXX, I received a letter stating that a provisional credit had been placed on my acct previously for the full disputed amount for the transaction. It also stated the transaction was deemed valid based on merchant information provided and the provisional credit was removed. 1. This is not an authorized charge. I have never made a purchase with XXXX. Multiple charges of varying amounts were attempted by XXXX on XXXX, all of which were disputed when called in. According to an agent I just spoke with, the others were " approved '' as valid claims, the one listed above was not. 2. I was never provided a provisional credit, although the letter says I did and that it was reversed. I was never charged on XXXX, or on any subsequent date until XX/XX/XXXX for the {$580.00} purchase. When I asked the agent why I received an inaccurate letter, she stated that it was a general letter that applies to " most claims '' but acknowledged that it did not apply to my claim, as I was never provided a provisional credit nor did the transaction post. I've asked to receive the merchant documentation and to have the claim reviewed again. I'm currently pending the results of both requests.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: They notified me of fraud charge from XXXX and blocked it. But then they processed it. they told me to call them to turn my card back on. They dont answer the phone. Ever. Horrible company in dealing with fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23224
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Recently, when I reviewed my credit reports, I discovered two accounts that I did notrecognize : XXXX XXXX ( Account Number : XXXX ) and BARCLAYSBANKDELAWARE ( Account Number : XXXX ). I recall losing my walletyears ago, which contained my driver 's license, social security card, and credit card. Isuspect thatsomeone might have used this information to fraudulently open theseaccounts. I need assistance in removing these unauthorized accounts from my creditreport.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92663
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: account : Barclays XX/XX/XXXX this account was opened fraud under my name I've reached out numerous times to Barclays to dispute transaction and to close account due to fraud activity under my name. An investigation was opened and recently received a letter from Barclays XX/XX/XXXX saying that I am still liable for this account. I just added credit monitoring service to my credit to avoid this in the future
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: My payments are being applied to the balance transfer that has a 0 % interest before putting it to my standard purchases which has a 29.24 % interest. This is causing me to be charged interest. The credit card act states that payments must be applied first to the card balance bearing the highest interest rate. Ive had several credit cards and this has never happened before. I wonder how many customers they are doing this to. This is navyist rewards credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94533
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On the statement, a notice appeared stating that if I wanted to switch cards to a no fee card, I could call them and do so. When I called I was told that I needed to " apply '' as a new customer, but with a notation on my account that my existing credit line would automatically go to the new card. I did that, and the application was rejected. Barclays told me that I could switch cards, then after I asked to switch I was rejected. I sent two letters asking for an explanation, and received ZERO replies. The letters are attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90035
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A