Date Received: 2022-09-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Barclays Bank Delaware will not let me transfer monies to a verified and established external account to XXXX Access or vis [ XXXX XXXX, XXXX. ]. On XX/XX/XXXX XXXX test XXXX Access labeled as " XXXX '' were sent to Barclays, on XX/XX/XXXX XXXX test deposits from Barclays Bank Delaware labeled as " XXXX XXXX XXXX '' were confirmed. However, this was not good enough for Barclays who grayed out my account access to XXXX to transfer then and not being able to verify the amounts. I could not understand, I was told that in addition that either a bank statement or proof of account ownership letter must be sent to Barclays and since my account with XXXX was less than XXXX days I had no statement, that XXXX drafted a proper letterhead of account ownership. Barclays, then rejects my questions and dodges why in fact, is the account an issue, other than being told acocunt verification being factuated and the letter dated XXXX was sent to XXXX ( mandatory ), Barclays ignores my email which were sent via their internal messaging system and inform me only to call into customer service, when I do, I am given a temper by a phone banker for the verification, which I inform, has already been done and demand as my right to know what exactly the security issues ( if in fact there is XXXX well grounded ) is and since its my monies, I need to know. Barclays refuses and drops off my communications in all formats. I am left in web reverting only back to where I start and each system over again. This issue has been initiated on XX/XX/XXXX, this is now XXXX ( XXXX ) days ongoing. Barclays, as I allege, are holding my monies XXXX. I am able to append and include more additional evidence and logs of the ongoing matter to justify the complaint if needed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36526
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: my card has been in use for 16 years. used for business and personal transactions. account was closed with a letter sent to my home on XX/XX/2022 with no discussion with any one in the company. flawless credit history for over 16 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08330
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My dispute is with Barclays Bank of Delaware In XXXX / XX/XX/2022 two fraudulent credit cards were opened using my social security number - one for XXXX XXXXXXXX and one for Frontier Airlines. When these new accounts appeared on my credit report, I phoned Barclays on or around XX/XX/2022 and reported the fraudulent activity. The security department stated they were closing the accounts and sending the information to be investigated and I would receive a call or letter with the result. To date, I have not heard back from Barclays on that investigation. On or around XX/XX/2022 Barclays reported a delinquent account which resulted in a XXXX point drop to my credit score. I called Barclays today, XX/XX/2022 to remediate this issue. I was passed to five separate representatives who stated they were unable to find my information in their systems using my name and last 4 of my SSN. I was finally transferred to the security department. The representative found my accounts and stated that the XXXX XXXX one has been closed, but no fraud reported internally and no investigation was done. She stated the Frontier Airlines card was still active with an {$89.00} balance- which is the charge for the annual fee. She stated there was nothing she could do to help me with the false delinquent report to the credit bureaus and that she was closing the Frontier Airlines account and I would hear back by mail or phone on the result of the fraud investigation. The false information remains on my credit report and Barclays was unable to provide a timely resolution. I have no faith I will hear from them regarding an investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I refinanced my house and this loan was one of the debits that got included. I sent the check for the payoff to Barclay 's bank. They cashed the check in XXXX for {$13000.00}. I wrote my account number of the front of the check. When Barclays cashed the check, I can see that the acct on the back of the check was incorrect. They transposed 2 of the digits. I've called them numerous times but they do not seem to want to help me. They keep telling me that it can take 1 to 2 billing cycles for it to be corrected. I've made 3 payments on this loan that I should not have had to. My next payment is due soon and nothing is getting corrected. I don't want my credit to be affected. This was not my fault. They entered the check to the wrong account number. Thanks, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34997
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I applied for a credit Card with Barclays. I received the card but never activated the card. I was then charged a {$89.00} fee on an unactivated card. I was not aware of the charges until my credit report showed 30 day late payment from Barclays. I would like Barclays to be investigated for this fraudulent activity. Also, Barclays negative reporting the credit agencies and associated cost to be immediately remedied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30310
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This company has fraudulently placed an item on my credit report. I have never had a credit card or signed card with Barclays Bank. It is identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 660XX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have 2 credit card accounts with Barclays Bank. I have attempted to pay off both accounts in full and used the total balance due as the amount to pay the accounts in full before the due dates shown on both statements. However, the amount shown as the total balance to pay account in full that was showing was insufficient and I was charged additional interest of approximately {$70.00} on one account and {$50.00} on the other account. My concern/complaint is that the total balance that should have been showing on my statement was in fact not the total balance and Im being charged additional interest. If I had known that the balance was higher I would have paid that amount to avoid any additional interest charges. This is very deceitful by Barclays because I was not allowed to pay off the account in full because they reported an incorrect payment due to pay off the accounts in full so they can charge me the additional interest for an additional month. I tried calling Barclays and the customer service rep XXXX in XXXX told me it was for residual interest but was not able to explain what that amount was not included in total balance due I asked for a supervisor and was put on hold for over 30 minutes after which I hung up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60053
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a XXXX XXXX XXXX credit card issued by BarclayXXXX. On XX/XX/2022, I contacted XXXX XXXX XXXX Barclay Card for the second time regarding the XXXXXXXX XXXX XXXX gift cards I was to receive as part of my rewards points were not available to me. I had previously contacted them regarding a physical {$25.00} gift card I had not received. BarclayXXXX did NOT replace the missing gift card and refused to do so. They only signed me up for e-gift cards. The gift cards that show on my account are NOT available to me for use because their website requires an authentication code be texted to my mobile phone. When I click the button to request the authentication code, an error appears. I called BarclayXXXX on XX/XX/2022 to request they fix the error with their website so that I could access my e-gift cards. I was told it would take 15 days to research the issue and I would receive an email. BarclayXXXX did NOT contact me to resolve this issue. I again called BarclayXXXX today, XX/XX/2022 to request an update. XXXX answered the phone and determined she would not help me. I was then transferred to XXXX who determined he would not assist me. I was then transferred to another department ( care, I think ) where I was promptly disconnected. It is clear to me BarclayXXXX has no intention of providing the XXXX XXXX XXXX gift cards I am owed which is deceptive advertising ( and theft ) for the XXXX XXXX XXXX credit card program.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59715
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I applied for a XXXX XXXX XXXX card through Barclay Bank Delaware. I assume that a credit card was issued ( card ending in XXXX ). Another card may have been issued ( card ending in XXXX ). A card was never rec 'd by my, however I was billed for the Annual fee XXXX When my first stmt arrived iI call Barclays and was told that they could not find the account. The second time I called I was told to please disregard the statement. Getting Barclays to supply information to me has been difficult. Account XXXX was closed and reported as deliquent and past due for the {$99.00}. The card XXXX on my credit report Barclays has no information on. Since I never made an purchases, card never arrived and was never used, Barclays appears to believe that I still on {$99.00}. and has report my non-pay to the credit agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92117
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My problem all the way back to XXXX, when my bank, XXXX XXXX, made a {$10000.00} coding error on the check I had written to XXXX XXXX XXXXXXXX to pay my monthly credit card balance : XXXX XXXXXXXX XXXX received {$10000.00} less than what I had written the check for. For the next three years, I tried to resolve the issue through letters and phone calls, but without success. So I put the issue on the back burner, and just continued my practice of paying my credit card bill in full and on time every month, minus the {$10000.00} that was in dispute. The credit card was later taken over by Barclays, and a couple of years ago, I made one last attempt to resolve the issue by writing a letter to Barclays explaining the history. I followed up on the letter and spoke with several different people at Barclays. However, I was told that there was nothing they could do, because the dispute arose when the credit card was held by XXXX XXXX XXXX. They suggested I contact XXXX XXXX XXXX, which I did ( by letter and phone calls ). I was told over the phone that the issue was a " dead end, '' because they only keep records for seven years, but the dispute arose in XXXX. There was never any response to my letter to XXXX XXXXXXXX XXXX, so I made the decision to cancel my credit card, which I had first obtained in XXXX. I made my final payment of what I owed to Barclays ( minus the {$10000.00} in dispute ) and included a letter explaining why I canceled the credit card. For about six months after that, Barclays continued to send me statements for the {$10000.00} and interest, but then they stopped -- and they have made no attempt to collect the money from me. I got a new credit card and went on with my life, assuming that was the end of it. I never thought about the impact this could have on my credit scores, because I have been debt free for more than 25 years, and had no intention of taking out any loans. However, I recently decided to explore getting a HECM, and that is when I discovered that this old, unresolved dispute had seriously damaged my credit scores. The mortgage broker told me that I may have to set up a Life Expectancy Set Aside ( LESA ), even though I have always paid my property taxes and homeowners insurance premiums on time. It is very unfair that my credit scores have been damaged by a very old dispute that I tried for years to resolve, and that I am now told is impossible to resolve because the banks only keep records for seven years. So I am caught in a financial Catch 22. I am attaching photos of three of the key letters I wrote over the years. Any help you could give me to help me fix my credit scores would be greatly appreciated. Also, it is clear that the formulas for credit scores make no sense, when you have someone like me ( very responsible, no debt, substantial assets ) getting below-average credit scores.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85020
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A