Date Received: 2024-01-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reached out to this company and the credit bureau to inform them that this is not my account! They will not remove the account from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31324
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
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 my most recent Barclays XXXX XXXX statement dated XX/XX/XXXX a charge for {$29.00} for XXXX XXXXXXXX XXXX XXXX that was not authorized. I contacted XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX and asked about the charge and I was told it was a monthly charge for unlimited car wash. I informed the girl from XXXX XXXX that I didnt sign up for a monthly car wash and she told me I signed up in XX/XX/XXXX and they had been charging me monthly for the service since then. I told her I only authorized the {$10.00} charge on XX/XX/XXXX for the car wash -I hadnt authorized anything else. She told me she would cancel the monthly subscription. I requested credit for XXXX months worth of transactions they had been charging me without authorization ( XXXX XXXX ) and she told me she could only credit me for XXXX months worth. I said that was unacceptable as I didnt authorize any transactions but the {$10.00} on XX/XX/XXXX. I then contacted Barclays billing disputes and spoke to someone regarding this and she said that since the merchant said they would credit XXXX months, she would dispute the remaining XXXX months unauthorized transactions. On Wednesday, XX/XX/XXXX, I received a letter from Barclays disputes department saying they were unable to obtain credit on my behalf because they did not receive the notification within XXXX statement cycles after the charges appeared on my monthly statement and they are past the timeframe to assist. I called Barclays disputes department that same day and spoke to a gentleman and told him the charges were fraudulently made by XXXX XXXX XXXX XXXX so asked how I would know to notify them within XXXX statement cycles? He said they are unable to assist so I requested to speak to a supervisor to which he took down my number and said I would receive a call back in XXXX hours. I never received a call back. I am contacting you in hopes that you can assist me in getting my money back for the fraudulent charges Barclays paid the merchant with my credit card. Your attention to this matter is much appreciated. Sincerely, XXXX XXXX Dispute case # s for unauthorized transactions are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 58102
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
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/2023, while on vacation in XXXX XXXX, I purchased a vacation club membership from XXXX XXXX XXXX XXXX. For the purchase I used four different credit cards and the rest was put on a new credit account ( {$4000.00} ) through Barclays Bank in XXXX DE. After doing some research on the vacation club I decided that this was not a good purchase for me and under XXXX consumer protection act I had five business days to return the club membership. I returned to the office XXXX XX/XX/XXXX and had everything credited back to my accounts. However at the time Barclays Bank had not processed the account yet. XXXX XXXX XXXX XXXX XXXX up a letter stating that I had terminated the purchase agreement and returned all of my charges. After returning back home I called all of my credit lenders stating that I had terminated the agreement and that they should be removed. After the investigation all charges were removed except for Barclays Bank. After receiving my account information I called them ( Fraud dept. ) immediately to let them know that this account should not have been created. At the time I did not realize it was going to be an issue so I did not write down the actual date. I called again about three weeks later and they said it was still under investigation. I waited another three weeks and made another call and the representative suggested I speak to the charge dispute dept. Upon speaking with them they requested any information that supported my claim. I faxed them the letter stating that I had terminated the agreement that was written by XXXX XXXX. About 2 months later I received a letter stating that my claim was declined because it was past their 90 day policy. They suggested I reopen the claim and fax any relevant information to support my claim. I did as requested and received the same letter about a month later. I called them back again and they refused to help me any further because the company policy states they can not support a claim past 90 days. I informed them that I did call before that 90 day window, I was just put in the wrong dept. For claims processing. The representative said they can see that I filed a fraud claim on my account but was not able to help me any further and suggested I take them to court despite sending them receipts and a letter from the actual company making the initial charge.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NH
Zip: 03060
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Barclays Bank Delaware Office of The President XXXX XXXX XXXX XXXX, DE XXXX Subject : Notice of Securities Fraud and Violation of Federal Laws To Whom It May Concern : I hope this letter finds you well. I am writing to address a matter of utmost concern regarding my Barclays Mastercard account which was established in XXXX I recently discovered that the security I issued Barclays Bank Delaware in the form of a credit application for the Barclays Mastercard is, according to your 424b5 prospectus, 10-K, 10-Q, and 8-K reports filed with the Securities and Exchange Commission, pooled and pledged as collateral to third-party investors as a primary means for Barclays Bank Delaware to raise capital. This revelation raises serious ethical and legal concerns, as it implies that Barclays Bank Delaware is unjustly enriching itself by using the securities of its cardholders as collateral without their explicit consent. I believe this constitutes securities fraud, as it involves withholding me from my securities without proper disclosure, authorization and compensation. Furthermore, I would like to bring to your attention that such actions may be in violation of federal laws, including but not limited to the Equal Credit and Opportunity Act, Consumer Credit Protection Act, and Sarbanes-Oxley Act. Denying me access to my rightful securities is a breach of my right to credit, and it reflects a failure to adhere to the principles of fair and transparent financial practices. In light of the aforementioned, I am formally requesting equitable and just compensation, along with interest, for these bad faith acts and willful misconduct. Failure to provide a satisfactory remedy within thirty ( 30 ) days will leave me with no choice but to pursue legal action and file complaints with the relevant authorities. I also demand and have the lawful right to know if Barclays Bank Delaware has or had any XXXX numbers affiliated and/or associated with my name and/or account on record/file with Barclays Bank Delaware, its affiliates or anywhere else. A XXXXXXXX XXXX XXXX XXXX can and will confirm if necessary. Caveat : The absence of explicit objection or response to this matter shall not be construed as indifference or lack of concern. Silence in such instances is expressly recognized as acquiescence, and by choosing not to formally address or contest the matter in question, one tacitly agrees to the information presented. It is imperative for all parties involved to recognize that non-action does not negate the potential consequences of implicit agreement, and due diligence should be exercised to ensure that all pertinent concerns are actively communicated and resolved. I trust that Barclays Bank Delaware values its reputation and commitment to ethical business practices. I hope we can resolve this matter amicably and promptly. I look forward to your prompt attention to this issue and a timely resolution.
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: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX I purchased a coat, coat didnt fit I returned it. Old navy confirmed they received jacket I waited over 30 days for refund. I get refund and old navy still knowingly goes into account in XXXX and takes {$250.00} after my balance was {$30.00}. We resolve the issue after flagging a problem with FTC. They refused to call me back until I had to threaten authorities to report them then I got a call back. THEN AGAIN AFTER THEY SEND CHECK AND EVERYTHING GOES AWAY THEY RECHARGE ME ANOTHER {$210.00} for nothing and it shows in my statement I never purchased anything for {$210.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: They have submitted to the credit bureaus a late payment for XXXX, but my payment is not due until XX/XX/XXXX. Today is XX/XX/XXXX so how could I be late for a date that has not passed yet which has impacted my credit score. Also I have made a payment on XX/XX/XXXX in addition to intentions of making a payment of on XX/XX/XXXX as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33712
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Barclays bank Delaware opened a credit card in my name without my knowledge. This card was opened on XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06067
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I cant reach customer service at Barclays bank. I did not approve a charge of {$55.00} on my credit card and yesterday customer service at Barclays Bank put me on hold for 3 hours and 15 minutes. I finally gave up and hung up the telephone. Today, I have waited over an hour on the phone and I am still on hold. Barclays customer service XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11530
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Both of these companies have been trying to collect very old debt from me, I was injured a long time ago and since then have been put on a fixed income so fixed that I had to file bankruptcy. In the case of XXXX XXXX, I had two purchase guarantee agreements with their card they failed to uphold. They agreed to honor their policy which says if my purchase breaks or is not satisfactory I will get a full statement credit. I submitted a complaint and filed a claim with their department for on two purchases totaling about {$4000.00}, I was told my card would be credited that amount from XXXX purchases because my mowers broke and a service center could not be located in my zip code area. I filed an arbitration grievance when I did not get my statement credit and I was ignored. I followed every step on the back of my statement for XXXX XXXX and they still failed to honor their policy. They instead filed suit and damaged my credit. The second credit card holder XXXX was advised that I was no longer able to work and afford the large amount of payments from their company, I was advised that I could file for a hardship and have my payment reduced and late payment stopped this ever happened. The account was closed and aged off of my credit reports. Today I received a letter from a lawyer that I was being sued for {$10000.00}. Third, both of these should have been included in my bankruptcy and should not be contacting me or trying to seek to collect any debt from me at this point. I was advised that every creditor would have been contacted by the bankruptcy court at the time of discharge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
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 XXXX XXXX XXXX, I purchased a bunch of chocolate bars while on vacation in XXXX. They were gifts for people back home in the US. My daughter opened hers and saw that the chocolate was rotten. XXXX and discolored. And it tasted disgusting. I went online with the Barclay 's AAdvantage Mastercard to open a dispute. The online system kicked me out when I answered " no '' to " have you tried to return the item. '' Obviously I couldn't fly back to XXXX. I tried to contact the place in XXXX where I bought them ( XXXXXXXX XXXX XXXX ) but they don't monitor their XXXX page and I'm guessing it would cost me a lot to call them. I then called the CC/Barclay 's to open the dispute since the online system didn't work. I was told I had to send in written documentation, which I did on or around XX/XX/2023. I sent the receipt and a pic of the nasty chocolate. Weeks went by with no information, so I called again. I was told they would not refund my money because I bought the stuff in person and apparently, it was my job to inspect it????? When I told them that it's ridiculous to think that I need to open every food item I will ever buy to make sure it's not rancid is beyond ridiculous. I made numerous calls to agents and supervisors and at one point they canceled my card and hung up on me. So if they canceled the card due to the {$55.00} issue, that tells me that it was a bad transaction and that my money should be refunded. They were beyond rude. I even wrote to them online ( XXXX ) to be told they can't really do anything. They offer a lame apology. So now I'm out {$55.00} and my CC has been closed. I don't ever plan to use the card again so I don't wish for it to be reopened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 16803
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A