Date Received: 2022-09-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 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: AL
Zip: 36301
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
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: I am trying to resolve a dispute for an incorrectly charged amount. I followed the steps directed by the Bank. They closed my case stating we did not answer the phone, so they closed the case. I called and asked why they closed it, and I asked to have it reopened. They refused saying it needed to be done in writing. My initial dispute was done by phone, so not sure why now it has to be in writing. I asked for a supervisor they said one was not available. I asked for their name and ID and they advised they could not do so. After a while of going back and forth they decided to help me. They called the merchant ( Frontier Airlines ) about a {$680.00} dollar charge that should of only been around {$370.00} dollars. I have made several attempts to resolve with the merchant to no avail, and they will not or have not provided an itemized breakdown of the charges. While on the phone the agent made several attempts to reach the merchant, and they are unresponsive and are not cooperating. The agent still would not reopen my case and said I needed to submit it in writing and restate everything that occurred on the phone which should be documented on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a decline notice for a XXXX XXXX XXXX ( XXXX XXXX XXXX ) issued through Barclay 's Bank. I never applied for a credit card with Barclay 's Bank and they would provide no information about the source of the application or how it was received or why they had my correct home address to send the decline.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70115
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
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: I noticed on a statement for my Barclay 's Old Navy card that there was a charge that I didn't authorize or make. On XX/XX/2022 I called Barclay 's Old Navy to report a fraud charge because upon checking my credit report I found a charge on the credit card I did not make. I filed the report and was assured it would be taken care of in a timely manner. I continued to received phone calls and emails for me to pay the amount, so I called the fraud department with Barclay 's Old Navy and spoke to XXXX on XX/XX/2022. She assured me it would be taken care of, the late charges removed and it wouldn't be reported on my credit report. On XX/XX/2022 upon checking my credit report, it was indeed on there and took my score down significantly. So, I opened a dispute. On XX/XX/2022 I received a response from Barclay 's Old Navy stating they believe their information is being reported correctly and they would note my dispute to the credit union. I paid the account in full this week because I can't continue to allow my credit to be destroyed. My career depends on my good credit. So, on XX/XX/2022 I paid {$150.00} on a charge that I did not make in order to keep my credit good because Barley 's Old Navy has incorrect records.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98531
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Someone is using my identity to apply for credit cards and inquiries. There is an account that was open without my acknowledgement nor consent. I am a victim of identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73170
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Some how two months in a row I did not make the minimum payment by XXXX cents so of course my minimum payment went up the following month. When I paid the next month I paid more than the minimum due. My payment then jumped up {$5.00} to {$6.00} dollars more. I sent an e-mail asking why they would raise my payment. Their answer to me on XX/XX/2022 was " We reserve the right to change how we apply your payments ''. I have been paying on this card for years. I had a friend years ago tell me to pay off the card by writing on the check the amount of interest to be paid and put the rest towards the principle owed. Barclaycard refused to accept my payments under those terms. I feel it is not right that they can just change the rules to whatever suits them. Please tell me is this a legal practice? I feel I will never get this card paid off under their rules.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 973XX
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I've tried repeatedly to settle thus debt with old navy. This card was charged after I closed the account with a {$0.00} balance over 2 years ago. Now there's over {$400.00}. Repeated phone calls. And now a debt collector called my husband, who was NEVER on the account and had no access. And told him FULLY about the charge, amount, store, and they were attempting to collect a debt. I'm still trying to get this off my credit report and end this card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32404
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2022 someone tried to obtain credit with Barclays Bank Delaware, XXXX alert me. I reach out to Barclays Bank Delaware to let them know it wasn't me and represent told me that it will be removed that was XX/XX/2022 inquiry still remain on my credit report. Also the XXXX XXXX is my maiden name, I always apply for credit with my married last name XXXX XXXX, which is my legal last name on my driver license and social security card. Please remove incorrect inquiry that was put on my experian credit report credit that I didn't apply for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: XX/XX/2022 i applied for a wyndham credit card the card i applied for i applied fo was denied i was given a card that had less favorable rates and a very low credit limit i have excellent credit according to XXXX XXXX XXXX on XXXX XXXX and XXXX on XXXX i feel the only reasioon i was denied is because of my XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Barclays promotes their XXXX XXXX XXXX as a travel credit card. You earn miles with purchases and can use the miles for a travel credit for travel related purchases. You have 120 days to redeem your miles for travel related charges. Barclays allow you, for example, to cash in XXXX miles for a {$100.00} travel credit for that travel related purchase. XX/XX/XXXX - Charged {$1000.00} at XXXX XXXX which qualifies as a travel related purchase. I would have until XX/XX/XXXX to apply miles for a travel credit. XX/XX/XXXX ( XXXX ) ( 11 days left to redeem miles ) - tried to redeem miles online and got the following error : " Errors Found. Please see details below. Please enter a valid value. '' I was trying to redeem XXXX miles for a {$300.00} travel statement credit. I called Barclays customer service. The agent tried to process my redemption for me and got the same error. She placed me on hold, then came back and said " We are doing system maintenance and to try in an hour and it should work. '' ( XXXX ) - tried to redeem miles online and got the same error. Called customer service again. Agent tried, got the same error. Then stated she would open a ticket for the issue. XX/XX/XXXX ( 10 days left to redeem miles ) - tried to redeem miles online and got the same error. XX/XX/XXXX ( 9 days left to redeem miles ) - tried to redeem miles online and got the same error. XX/XX/XXXX ( 8 days left to redeem miles ) - tried to redeem miles online and got the same error. Called customer service. The agent tried to process my redemption for me and got the same error. Asked to speak to a supervisor. Was connected to supervisor named XXXX XXXX refused last name ). He tried to redeem my miles for me and got the same error. He said he would open a Case File for this issue. Case ID # XXXX. XX/XX/XXXX ( 7 days left to redeem miles ) - tried to redeem miles online and got the same error. XX/XX/XXXX ( 6 days left to redeem miles ) - tried to redeem miles online and got the same error. XX/XX/XXXX ( 5 days left to redeem miles ) - tried to redeem miles online and got the same error. XX/XX/XXXX ( 4 days left to redeem miles ) - tried to redeem miles online and got the same error. Called customer service, asked to speak with a supervisor. Connected to a supervisor named XXXX. She tried to redeem my miles and got the same error. Asked her about the Case File XXXX that was opened on XX/XX/XXXX. She said they closed that because they said everything was working fine. She tried again to redeem my miles and got the same error. She said she would open an Incident Ticket for this issue. When I requested the Incident Ticket number, she stated " this is an internal ticket and we do not share this with customers. XX/XX/XXXX ( 3 days left to redeem miles ) - tried to redeem miles online and got the same error. XX/XX/XXXX ( 2 days left to redeem miles ) - tried to redeem miles online and got the same error. XX/XX/XXXX ( 1 days left to redeem miles ) - tried to redeem miles online and got the same error. Called customer service and asked to speak to a supervisor. After getting transferred to XXXX other customer agents, I finally got transferred to a supervisor named XXXX. She tried twice to redeem my miles and got the same error. When I asked her about the resolution of the Incident Ticket opened on XX/XX/XXXX by XXXX, she stated there was no Incident Tickets opened on my account by anyone. XXXX, after trying XXXX more time and getting the same error, opened up another XXXX XXXX, ID XXXX and and XXXX XXXX # XXXX. She said there was no policy against giving customers this info. XX/XX/XXXX - I am no longer able to select my XX/XX/XXXX charge at XXXX to redeem miles as the timeframe has expired. Due to Barclays ineptness and failure to respond and act, they have denied me {$300.00} due as travel credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23453
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A