Date Received: 2022-08-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My identity was stolen and opened a few accounts. Account with XXXX XXXX, BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter out on XX/XX/XXXX to XXXX. However the credit bureau said the completed the investigation and everything was 100 % accurate. I don't understand how is that possible. I tried calling Barclays and no one has called me back Im on the phone waiting for hrs getting transfer to different departments saying my account is closed, also they showed me the application that was done in XX/XX/XXXX not by me has incorrect information, my mothers name is filled out wrong in a security question this account wasnt open by me. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to. How did they complete this investigation. Please help me resolve this issues thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33626
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I've been a customer of JetBlue Barclays Mastercard for over five years. I've never been late on a payment and have always made payments in full. On XX/XX/XXXX, they did not accept my payment for an unknown reason. I tried via the app, website, and over phone to make the payment. They were " processing '' the payment until XX/XX/XXXX. I contacted my bank as well and there was nothing they could do. On XX/XX/XXXX, I was charged interest of {$96.00}. On XX/XX/XXXX, I called to dispute, they issued a " one time refund '' of {$96.00}. On XX/XX/XXXX, I noticed they retroactively added a new interest charge of {$86.00}, but issued on XX/XX/XXXX. On XX/XX/XXXX, I called to dispute, they issued a " one time refund '' of {$86.00}. On XX/XX/XXXX I was charged interest of {$37.00}. I called on XX/XX/XXXX to dispute, they refused to issue a refund because a payment on XX/XX/XXXX happened from the " time my bill was sent to me until the time the card issuer received my payment ''. I've never dealt with this until XXXX and XXXX of this year. I have been a loyal customer and never made a late payment. These charges are bogus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a phone call from someone stating I owed money on a MasterCard that I did not apply for. I'm assuming it was from a Collector for the amount of almost {$3000.00}. I also spoke to a woman in the Legal Department and she immediately asked me to confirm my social security number over the phone, which I refused and her attitude immediately changed and she became agitated. Both people I spoke with never identified themselves and I then became very suspicious. They told me I had 48 hrs or they were filing an Injunction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 182XX
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
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 called Old Navy Navyist Rewards phone, requesting an update on the fraud charges and an email I had received back on XX/XX/XXXX stating I requested an email changed. I never requested an email change when I called on XX/XX/XXXX. I was informed that the email address was changed by removing one number from my actual email address and they are now investigating who changed it. I also request to get an update up my current fraud charges that XXXX disputes on XX/XX/XXXX. I was informed that the {$380.00} ( and some change ) had not posted under transactions as of yet and that is why they havent completed the investigation. Its been two months since the charge was made on my card. Then I was informed that the {$190.00}, which I was told to dispute as well as I did not make the charge, never was authorized, so no need to work that fraud dispute. I also asked XXXX from Barclays XXXX XXXX XXXX as to when that will be corrected as they are still charging me late fees and calling to collect a payment. I informed her that if they sent the item to collections as someone previously informed by or report it on my credit as delinquent then it will effect my credit score. XXXX proceeded to inform me not worry as my credit score will go back to what it needs to be once they give my account the credit back. That means in the meantime they can mess with my credit score and think that a delinquent record wont stick for some time?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75234
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Have been getting letters from different clothing stores. To confirm that the application is valid by me. And it isnt me filling out any application for a credit card. I called the companies And they have put an alert on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97236
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: A Barclays Bank Delaware card I opened in XXXX that was closed on XXXX, I have asked Barclays to please send me all the statements for the account before its closing date in order to review them and prove that the charges were not made by me, as it is my right under FCRA section 623 and Barclays has ignored my request. The credit card was maxed out by someone I knew, I did not know back then that I could file a dispute and this is the reason why this account was on a consolidation debt payment plan along with other accounts that had run the same faith. I was not able to keep said debt consolidation payment plan in XXXX due to the pandemic. I was contacted by Barclay 's collection affiliate XXXX XXXX XXXX. XX/XX/XXXX and in an effort to finish this debt I went on a payment plan with XXXX for {$100.00} monthly to pay a total settlement amount of {$730.00}. The last payment for {$100.00} was not processed and XXXX has reinstated the whole due amount of {$730.00}, leaving me with no other resource than to exercise my right under FCRA section 623 and prove that this is not my debt, one which has been settled based on the amount of money paid to this date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Late XXXX I was notified by Barclays that there appeared to be fraudulent charges on my card. I spoke with them and went over the charges. They were most definitely fraud because it was being used in XXXX and I have never been there or bought anything there. They said their security department would check into it and get back to me. After 3 weeks went by I contacted them because my bank notified me that Barclays was trying to process payment through an account that they didn't have access to. At least they weren't supposed to. The account didn't have much money in it so fortunately it didn't go through. I could not access my account online at this time either. Plus I had not been contacted yet. After speaking to 4 different people about this matter and finally speaking to their security team, they claimed they hadn't tried to do this and they would look into it and freeze any transactions through my bank until this was cleared up. Again I was told they would contact me within 10-14 business days. A couple days later they tried withdrawing a large sum of approximately {$8800.00} from that same account at my bank again. I have been trying to call them using multiple phone numbers they provide and still have not been able to get in touch with them on the phone. I have waited 3-4 times on hold for 45-50 minutes to try to get someone on the phone. Eventually the call just hangs up. I can't login to my account with them to see what's going on and I even tried to contact someone through their XXXX XXXX. Still haven't heard from anyone at Barclays. Their server is down currently and has been for at least 3 days. They did message me on XXXX and tell me I could mail my payment but at this point I don't know if they are legit and am afraid to send money to that address. They do send emails that payment is due but I have no way to make a payment until I speak to someone and get my account active again. I have tried to resolve this issue in as many ways as I know how to. I need help getting this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 598XX
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. . The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These accounts/ items/ inquiries are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, BRCLYSBANKDE XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, BRCLYSBANKDE XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My card was sold to another company. The payment agreement I had with XXXX did not transfer to Barclays. The autopay continued to work until it suddenly stopped. This resulted in a pst due payment reported. Is this allowed? I certainly would have paid the proper company had I known.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43123
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
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/22 I received a fraud notification via text message from XXXX bank who provided the XXXX XXXX credit card at the time. I responded within 1 minute to confirm that the purchases being made were fraud. Within a couple of days I followed up with a phone call to reiterate the purchase was fraud. Based on the emails I had received, it was clear that someone gained access to my o line XXXX XXXX account where my card was saved. I was receiving email confirmations for 4 orders where one was mistakenly shipped to me and the 3 others were sent to another name and address. I was told by XXXX that they marked the purchase as fraud and they would not ship. They did in fact ship. I then opened a fraud claim with XXXX and received a letter confirming my claim on XX/XX/22. XXXX, XXXX XXXX transferred their credit services from XXXX to Barclays and when doing so did not transfer my fraud claim. In late XXXX, Barclays then began billing me for the outstanding balance. I spoke with a number of people in late XXXX at Barclays who kept asking me to prove it was fraud. I then escalated to a manager who told me I was not the only customer who was experiencing this situation ( fraud where the claim was not transferred ), and that I would receive a call back. I never did. I have called multiple times since and most recently successfully opened a fraud case with Barclays as by now, they had reported my account as late to the credit bureaus. I asked for something in writing confirming the fraud case had been opened and they said I would receive something via mail. I have not. They have a credit for the fraud charges on my account but not for the accumulated late fees which they continue to contact me to collect. This entire experience has affected my credit score and been poorly handled by all companies involved- XXXX XXXX, XXXX and Barclays. I have yet to see full resolution 3 months later.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78750
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A