Date Received: 2022-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account BARCLAYS BANK DELAWARE XXXX with an alleged Balance : {$2300.00} and Date Opened : XX/XX/2018 was incurred due to fraudulent charges, which according to VISA/ Mastercard Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28269
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: 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: It has been almost three months since Barclays card committed a fraud against me and the credit bureaus. The have, finally, removed the fraudulent transaction and fee from my account but my credit scores have not been resolved to their levels prior to their fraud perpetrated against me. I have not received ANY copies of ANY communications to the credit bureaus. Barclays caviler attitude towards how this fraud has impacted my personal life is criminal. I demand that Barclays contact each credit reporting bureau personally and resolve the damage to my credit history. I demand a statement credit for the fraud they have perpetrated against me and many others, as documented, on the attached document. Their fraud effected many persons and I can only assume that their attitude and disinterest in making amends to these persons as well has been similar. " On Tuesday, XX/XX/2022 I requested a balance transfer in the amount of {$10000.00} to my checking account ending in XXXX with XXXX XXXXXXXX XXXX XXXX. This was a XXXX percent balance transfer offer for 12 months. I logged in on XX/XX/2022 to pay the balance transfer fee, {$400.00} and a small outstanding balance of {$20.00} for a total payment of {$420.00}. On XX/XX/2022 I logged in, as I aways do, and my account show a duplicate {$10000.00} transfer to the same account ending in XXXX along with a duplicate fee. I immediately checked the balance on the XXXXXXXX XXXX XXXX XXXX checking account and, indeed, there was no additional {$10000.00} transfer, which would total {$20000.00}, there was only the singular, initial {$10000.00} transfer. I have spent numerous calls and chats over the last two weeks attempting resolution. I should note that my credit score on XX/XX/2022 was XXXX. As of today Barclays is reporting that I am over the limit of my card, a limit of {$12000.00} and a false balance of {$20000.00} and my credit score as of today is XXXX. Their one singular mistake has damaged my credit by almost XXXX points. In addition, throughout all of these calls and secure online chats I have been told the file has been noted and they are working on the situation. The situation, after over two weeks, remains unchanged. My credit score is down XXXX points and the phantom {$10000.00} balance transfer and phantom {$400.00} fee for the second phantom transfer remains on my account. Damaging my credit every day. I have spoke with them on these dates : XX/XX/2022 for 31 minutes, XX/XX/2022 for 20 minutes ( got disconnected after 20 minutes on this call ), XX/XX/2022 for 36 minutes, with online chats on XX/XX/2022 for 16 minutes, XX/XX/2022 for 36 minutes, and XX/XX/2022 for 58 minutes. In each call and chat I've been informed that they are sorry for the inconvenience, even though they are not just inconveniencing me but also damaging my credit. Over two weeks and countless hours attempting to rectify the situation they are unable or disinterested in resolving. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80214
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: 2022-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have contacted Barclays Bank via phone and mail and I have yet to receive a response I was a victim of Identity Theft I have provided those documents as well and they still continue to report incorrect and inaccurate information of accounts that I never had
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Firstly, let me start by saying that I have been a XXXX XXXX credit card holder for more than a decade. I also have excellent credit history and take my purchasing decisions very seriously. Now I do not want any relationship with XXXX XXXX. due to the inability of the XXXX XXXX XXXX to address repeated security breaches and fraudulent activities that plague my account. My credit score is seriously affected by this issue, and they are not helping. In the XXXX 2022 statement I found fraudulent charges on my XXXX XXXX XXXX credit card, which looked very strange with no description of what was bought. Some of those charges were in a vending machine in Maryland. I live in XXXX Texas. The amount of fraud charges was {$230.00} made from XXXX 2022. I reported them in XX/XX/2022. On XX/XX/2022 the card transitioned from XXXX to Barclays XXXX credit card. A new card was issued. The old XXXX XXXX card ( XXXX ) ended in XXXX. The new card that opened after the transition to Barclays in XX/XX/2022 ends in XXXX. In the XXXX 2022 statement I could still see wrong charges. I know it takes time to investigate but wanted to confirm that they are still under investigation since I didnt want this to affect my credit history. Its a good thing I called because the charges from XXXX 2022 were not tagged as fraudulent. After calling several times why this is happening I discovered that there was confusion because the fraud charges were made BEFORE the card transitioned from XXXX to Barclays. When I called XXXX to report them as fraud they said they can not see the card charges because they transferred all my history to Barclays. When I called Barclays they said they can not see the charges that occurred prior to the transition because they occurred in the XXXX card. I was subjected to more fraudulent activity because in the same XXXX 2022 statement, I found additional charges made. The additional charges were made after the card transitioned from XXXX to Barclays for {$230.00} done on XX/XX/2022. I called Barclays again, long wait for each call, and spoke with multiple departments. They said they tagged them as fraud, however they still couldnt help with the charges made BEFORE the card transitioned from XXXX to Barclays. At that point, I asked to close the card and never issue me a new one. I wanted to close my relationship with XXXX XXXX cards. I received a letter dated XX/XX/2022 from Barclays stating that my card ending in XXXX was closed due to fraudulent activity and I am not responsible for any activity pending the investigation. Around XX/XX/2022, I found someone in Barclays who could see the fraudulent charges that occurred BEFORE the card transitioned from XXXX to Barclays. She said she reported them to management and claims to have issued a fraud report. On XX/XX/2022 I received a call from Barclays stating that I have not made payments on a card with a new number ( ending in XXXX ). I asked what card XXXX? I am not aware of this card. That was a new card Barclays opened in my name. They are asking me to pay charges I had clearly reported as fraud on a card I never requested. When I recited the whole story again the lady didnt seem to know much about my history. I pleaded with her to look up my history. I asked her why Barclays opened a new card under my name when I exclusively asked them not to. I also asked her why she couldnt identify that I had 2 separate fraud reports submitted. When I insisted she help me understand these questions she placed me on a long hold then hung up on me. On XX/XX/2022 I received a call from Barclays stating that I have not made payments on my card. I was very confused since I had reported the charges as fraud. After checking they found the letter from Barclays XXXX XX/XX/2022, stating that the card ending in XXXX was closed due to fraudulent activity. They also said something disturbing, that they could not report as fraud the transactions that occurred BEFORE the card transitioned from XXXX to Barclays. I explained that I went through several calls with Barclays and XXXX, and that Barclays finally said they could see them and tag them as fraud. Now they are telling me they can not do that. Moreover, they advised me to call XXXX XXXX and XXXX. I explained thats what I did many times. XXXX XXXX said they can not do anything else about this and that I have to contact the credit card company. XXXX said they transferred all the records to Barclays and can not tag anything as fraud sine they cant see it. That day I called XXXX XXXX again at XXXX and the automated system said they no longer receive calls. The system said to call the credit card company or XXXX. I called the latter number and the system hung up on me. On XX/XX/2022 I also found out that my XXXX XXXX decreased by XXXX points due to non payment. Today is XX/XX/2022 and I still receive calls from Barclays XXXX asking me to pay, and they seem to be oblivious to what was going on, or they didn't care. Sometimes I pick up the phone but they just play music, as if they are playing with my nerves? I am stuck in this dilemma. Every conversation I have with Barclays gets me nowhere. There is no communication between the people at Barclays which is dangerous. Barclays is missing the point that my account was repeatedly hacked and there is clearly a security breach. There is a serious security leak going on and I am questioning the whole XXXX XXXX Barclays card companys legitimacy. I have lost sleep, work hours ( i.e. lost wages ), and am considering legal counsel. I am contacting the Consumer Financial Protection Bureau to help me resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX, I along with the bank manager from XXXX in XXXX, XXXX notified XXXX XXXX credit card company. A check had been sent by XXXX to pay the balance of this card. We had information that this had been deposited and the copy of the front and the back of the check. The check was received by them on XX/XX/XXXX and deposited on XX/XX/2022. This transaction was never posted to my credit card account. At the end of XXXX, the XXXX XXXX credit card was transferred from XXXX to Barclay. We contacted Barclay who gave us the number to XXXX who sent us back to Barclay. Each saying we had to talk to the other. We finally talked to Barclay. We gave the information of the account then the information from the check. The information from the check was asked for and repeated 3 times before it was asked why we were going in circles with the conversation. Finally talked with a supervisor, XXXX after being told it would be up to 2 months before I would hear back from them. XXXX asked to give her the next week to look into this. The next week, I received an email survey. I reported how poorly this situation was handled. That afternoon, the over {$6000.00} payment was posted to my account. I had to call back to ask for the late fee that was put on the account after XX/XX/XXXX be taken off and the interest that was put on the account after XX/XX/XXXX. Also as I asked originally that the report to the credit bureau be removed. The late fee was taken off at that time. The interest was not. I was told that they could not do anything about the report to the credit bureau. Was told I would have to dispute this with the credit bureau and not the credit card company. I called more than once trying to get the interest taken off. It finally was. I asked XXXX with the first call to them if I could email of the cancelled check where ithe card was paid. She said they did not accept emails nor offered any other way to send the information to them. They were very aware that this was a XXXX deposited check. A few days later, I received a letter requesting to have the copy of the deposited check to them either by fax or mail. I tried several times from different faxes and different people attempting to fax the information to them. There was never an answer on their end. I finally mailed them all the information. The second week of XXXX, I saw where the {$6000.00} was put back on my account. I called again without a resolution. I called a second time earlier this week without a resolution. Tonight I called to talk with a supervisor because I saw that fees/interest was added to my account. I talked to someone but asked for a supervisor. The supervisor told me that they had closed my case on XX/XX/XXXX. That they had received proof of the payment but XXXX is who had the money and not them. Basically that I was responsible for paying them the amount. Told me it was my responsibility to get the money back from XXXX. I told the lady that they have known the whole time that XXXX had deposited the money. I was asked to provide proof that this had happened so they could clear my account. I also told her that i had originally tried to talk with XXXX but they kept transferring me back to them. I dont know where to go from here. Both companies are refusing to take care of this. All I know ids that I paid this account off in good faith and Barclay is expecting my to again pay them even though I sent them the information that they asked for to clear the account. XXXX previously told me that the transferred all information to Barclay. My understanding is that I am still responsible for paying the credit card bill of over {$6000.00} that I already paid. Please help me to get this taken care of. My phone is ( XXXX ) XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39056
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Barclay Card case number : XXXX My bank, XXXX XXXX XXXX sent {$860.00} to Barclays on XX/XX/2022 and it deposited XX/XX/2022. Barclay didn't post this amount to my account. I called my bank and Barclay over 10 times. Barclay resolutioncenter requested a copy of the paid check and they will be posted this amount directly, so I sent an emailof the copy XX/XX/2022. The check showed my Barclay account and name address clearly. Anyone can see well. After that I called a few more and asked online for posting my payment because the duedate is almost coming. But Barclay didn't solve it.
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: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
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: This is a complaint against Barclays Bank Delaware ( address : XXXX XXXX XXXX XXXX, XXXX, DE XXXX, phone number : ( XXXX ) XXXX ). My car was damaged in an accident caused by another party which accepted the responsibility. Besides body damage, gasoline leaked from my car due to this accident. The body work was performed at XXXX XXXX XXXX and gasoline leakage was repaired at XXXX XXXX. XXXX XXXX incorrectly reported to the insurance company XXXX XXXX XXXX ) of the other party that gasoline leakage was not related to the accident. So XXXX XXXX refused to pay for its repair. XXXX XXXX also threw away the damaged part despite my prior request, destroying the evidence. XXXX XXXX XXXX refused to release my car unless full payment, including the payment of the bill generated by XXXX XXXX was received. This was a highly asymmetric situation in which XXXX XXXX XXXX had much more control than me. Since my car was used like a hostage by XXXX XXXX XXXX, I had to pay {$610.00} at XXXX XXXX XXXX to get possession of my car. I made this payment using a Barclays credit card. The name of the business on payment receipt is XXXX XXXX, but the payment was for the bill generated by XXXX XXXX. I wanted to dispute the charge of {$610.00} immediately, but Barclays posed many obstacles. Barclays ' policy does not allow the payer to dispute the charge for 15 days after the transaction. Barclays ' online system does not tell how many characters are allowed in the complaint, causing the complainant to waste time on typing, only to see that additional characters can not be entered, and Barclays ' online system also does not allow the complainant to upload documents to support the complaint. So I spent money on printing, photocopying, and mailing for submitting the dispute to Barclays ' address in Delaware. I sent Barclays the violation-notification letter that DATCP ( Department of Agriculture , Trade, and Consumer Protection XXXX Wisconsin ) issed to XXXX XXXX for throwing away the damaged part, and opinions from 5 independent experts showing that gasoline leakage was related to this accident, Barclays ignored all this and conducted a very shallow investigation. Barclays never contacted XXXX XXXX about this. Barclays never contacted XXXX XXXX XXXX ( XXXX ) with the douments that I provided which I am providing again with this narrative, with two more documents. Barclays should permanently remove the charge of {$610.00} from my account. Explanation of the 6 documents attached : ( 1 ) DATCP-Violation-Letter.pdf ( This is a letter from DATCP to XXXX XXXX confirming violation of a Wisconsin law by XXXX XXXX. ) ( XXXX ) XXXX ( Opinion of 3 independent external experts confirming that the kind of accident my car was in can cause gasoline leakage. ) ( 3 ) XXXX ( A highly respected book on accident investigation confirming that such car accidents can cause gasoline leakage ). ( XXXX ) XXXX ( This page shows that XXXX XXXX told XXXX XXXX insurance that gasoline leakage was not related to the accident. XXXX XXXX denied payment because of this incorrect diagnosis, and Barclays made it impossible for me to quickly dispute the charge. ) ( 5 ) XXXX XXXX Opinion of 4th independent external expert confirming that the kind of accident my car was in can cause gasoline leakage. ) ( XXXX ) XXXX ( Opinion of 5th independent external expert confirming that the kind of accident my car was in can cause gasoline leakage. ) Desired settlement : Refund
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53211
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
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: The credit card company is not handling my dispute properly. I reasserted the dispute on XX/XX/XXXX and sent documentation to show improper billing/service not provided/received. On XX/XX/XXXX I called to check on status of dispute and was notified the dispute was still open/pending. I requested a call back from a supervisor to confirm the documentation I had submitted was sufficient and to discuss the billing dispute before a final determination was made. I was informed a call back would be made within 1-5 business days and that I would be contacted before a final decision was made. On XX/XX/XXXX I called back because I had not received a call by the 5 day deadline ( XX/XX/XXXX ). I was notified that the case was closed on XX/XX/XXXX without a callback from a supervisor prior to final determination, as agreed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01760
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
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 paid frontier airlines for canceling flight protection and its been a year they have not pai me for my flight or cancellation protection
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21225
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/2022, we arrived to pick up our tickets to see a show in XXXX from when my wife ordered them from. After purchasing them she asked us if we would take a tour of your facilities, which would take about 2 hours but wasnt high pressure at all, so we took her up on it as it sounded like an interesting opportunity. Not to mention the {$150.00} they were going to give us to attend. We went right over to take them up on this offer. We directly went over to your visitor center to begin the tour. At first the experience was quite enjoyable. Chatting with the lady that was helping us was quite entertaining and for the first two hours she was a delight. Then it was time to turn up the pressure, I guess. I understood this to be her job, so it didnt bother us. Since I was kind of interested in what they were selling it was fine. It seemed like an interesting concept. Then she had my wife do some stuff on the tablet. During which we asked several times we are not signing up for anything at all here, correct? She assured me that no, nothing would be run until I signed the paperwork in the back. That was fine by me to get prequalified before the tour of the property, so I did as ask after repeatedly being told it wouldnt hurt my credit and I wasnt signing up for anything. We went on the tour of the property and came back, lovely, somewhat high pressure. We went back and sat down at her table, and we informed her that while a lovely idea and something for us to consider in the future. We explained we have two elderly parents to take care of and three properties to take care of now wasnt the time for us to do this as vacations for a few years would be few over the next decade. So, then the pressure got turned up, thats fine we understood. Another gentleman came over to speak to us with her. That was fine, I understood how things worked. So as this gentleman is giving us the numbers, they pulled up by running our credit, numerous times mind you ( my excellent credit score I discovered dropped XXXX points even though I was assured by her that it would not do that. This of course I discovered later. What really irritated us and made it, so we were both ready to walk was my wife asked him, as a XXXX veteran, what you do for Veterans. His reply to her was to take an attitude of how dare she ask for something extra and he pushed the paperwork towards her and said I show them this! This attitude he struck and annoyed tone that she dare ask such a thing was the end. Even if we decided to get a timeshare it wont be though you due to the utter disrespect I was given. He made me her ashamed for asking. Not the way to treat your Veterans, especially not in XXXX, MO. So these high pressure tactics lasted 3 hours on a 2 hour tour. By this time, we are irritated due to what I have mentioned. When I pointed out that we needed to go because I needed to get to the car to take his XXXX which was due at XXXX, it was now about XXXX. We informed them that I was starting to go into a medical emergency without his medicine so, she then took us to the back room. Back there we were confronted by several men one sitting behind the desk what was terribly pushy. We wouldnt even sit down because my husband at this point needed his medication and we had already made our decision not to buy anything that day as it was the wrong time for us, we expressed this to them over 20 times. We finally said we had to go because I was feeling ill, to which the guy behind the desk suggested that my I go down to take his XXXX and the come back up! That was the final straw we walked out hearing jeers from the other men back there crying out that thats a shame and such things. So very disrespectful! You might think this letter is about to end, but wait, it isnt over yet. While we are going through this, Im getting a ton of notifications from my credit being ran, despite being told it wouldnt affect my credit, which as mentioned it dropped it XXXX points. Now let me remind you I repeatedly asked to make sure they were not signing me up for anything and was told no every single time I asked, I get out to the car to find emails thanking me for taking out your credit card and their reward set up! Despite repeatedly being told that only a soft inquiry would be made and it wouldn't hurt my credit my score has now dropped XXXX points because of their inquiries and credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A