Date Received: 2022-08-24
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: Hi, I'm XXXX XXXX, I need your help to reachout to this company. I tried contacting them to verify howcome that someone opened up an account under my name. This is a very serious matter and I feel bad that it is now affecting my credit profile. I do not authorize anyone to use my name, date or birth or any information as it is also against Data Privacy. They need to find out who opened the account under my name and just transfer those information to that person instead. Please help me get this resolved
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: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. Someone used my name and my social to open accounts with multiple companies. Now they are on my credit report and reporting under collections and as charge offs. I do not have any knowledge of these accounts and I do not know where they came from. I have reached out to the companies, and they are no help. I have filed an FTC report and I mailed a letter to the credit reporting agencies. This has not helped ; thus, these accounts are still reflecting on 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: 30327
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been an XXXX XXXX cardholder for many years, during which time I have an excellent history of payments. I would receive email statements due to frequent issues with the mail in XXXX XXXX, where I live, and I also received text messages when the bill was due and if it was even one day late in processing. These multiple methods of notification assisted in maintaining my excellent payment history. In XXXX, upon information and belief, XXXX XXXX switched from XXXX XXXX to Barclays as their credit card servicer. I did not receive any notification of the switch by mail, email, or text. I continued to send payments by check because I was unaware of the change. In XXXX, I applied for a mortgage to purchase a home for me and my XXXX children. As a single mother, providing a home for my boys is of utmost importance. At the time of my application, my credit score was in the 720s. Last week, approximately XX/XX/XXXX, I was notified by my mortgage lender that I had a 60 day late report on my XXXX XXXX card through the credit bureaus. Until this time, to my knowledge, I had never been notified by Barclays of the change in banks, nor was I ever notified that the payment was late. In the past week, I have tried many times to resolve this issue with Barclays. First, I made the required payments, with late fees, to bring the account current. I called and messaged, asking them to please remove the late report as an oversight due to the change in banks. They refused. Today, XX/XX/XXXX, I spoke for over 30 minutes to a customer service member asking for a letter stating that the Credit Bureau could remove the late notice on my report so that my score could go up and I could finalize the home purchase. They again refused because of their duty to report late payments. I explained that I was never notified, to which they replied that they sent letters, which was my notification. I told them I never received these letters and they did not attempt to call or email me. For further proof, I explained that I never activated the new card they supposedly sent me because I never received it. The agent on the phone confirmed this to be true. The agent also noted that there was a cease and desist on my phone number, which I told them I had never authorized. When the account was serviced through XXXX, they contacted me by text and phone, so I never authorized a cease and desist. The agent stated that many things got mixed up when the accounts transferred and to some extent hinted to other clients ' information being incorrect as well. This account has been active since 2018. I have paid the balance to {$0.00} to avoid any issues with the company in the future ; however, considering the situation and how much data was inevitably incorrect when transferring the accounts, I felt the quick reporting as well as the unwillingness to work with me after I demonstrated overwhelming evidence that I simply did not receive the information was unwarranted. Barclays loses NOTHING by simply removing these late reports, especially in light of the facts surrounding the issue. But my children and I suffer due to an oversight in changing management, having lost the house we have been waiting on due to my now inability to qualify for the loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70124
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
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 have been in contact with XXXX XXXX regarding fraudulent purchases made on my account on new cards issued that were never activated by me and never once left my house. The fraud department was able to take care of a few, but not all of the charges. I have called MANY times ( 11 times as of today ) and sent a letter certified mail outlining the fraud, dates and store locations. I was relieved when it appeared a couple weeks ago that they removed these charges, but when I logged on today, they had been added back. I called the fraud department again today, the 11th time, and was told they called me and that I hung up on them, which is a flat out lie. I would NOT do that as I want this resolved and there is no record on my caller ID of them calling on XX/XX/22 as they said they did. I cancelled all the cards. I would like this resolved since it is an almost {$2000.00} ding to my credit report. Here are the fraudulent transaction details : XX/XX/22 XXXX XXXX XXXX XXXX {$400.00} XX/XX/22 XXXX XXXX XXXX XXXX {$500.00} XX/XX/22 XXXX XXXX XXXX XXXX {$510.00} XX/XX/22 XXXX XXXX XXXX XXXX {$500.00} I would like XXXX XXXX to remove these charges imediately and permanently from my account. I never made them and if they did some investigations, they would easily tell that they weren't my charges as I mostly buy from them online and NEVER for purchases that cost this much. It is CLEARLY fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: on XX/XX/2022 I notify BARCLAYS BANK DELAWARE of my intent to enforce my rescission rights. And I am demanding a refund of all funds and property paid, as well as taking any required and appropriate steps to reflect the termination of the consumer credit transactions securities interest. XXXX has not replied at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44139
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This pertains to 3 credit cards that I had with Barclays. On XX/XX/22, I was unable to access any of these accounts via my online access. I contacted Barclays ( via phone on XXXX, XXXX ( 3 different calls ), to finally receive confirmation that the accounts had been compromised, a bad actor had succeeded in generating new user ID, password, and physical address to receive new cards. These four calls centered around multiple handoffs between Customer Care Specialists, Security / Rapid Detection Team, and Information Technology. At this time, all 3 cards were cancelled, and I only asked to receive a replacement for one of those cards. During this period, I continue to be unable to access my remaining account online, and the solution from Barclays was that I use the user ID and password that was generated as part of the fraud ( true story ). On XXXX, looking for a status on the replacement card, which appeared never got issued. I also wrote to the Barclay 's Consumer dispute center, outlying these details, and have not heard from them in the ensuing period ( 2 months+ ) On XXXX, I received correspondence from Barclays XXXX that their fraud investigation was completed and that I was not responsible for the fraudulent activity. On XXXX, I began receiving credit reporting alerts from XXXX XXXX, XXXX, and XXXX Identity Theft groups. Barclays had posted a negative report ( late payment ) for a balance on one of the closed cards. XXXX made initial attempts to rectify, and Barclays rejected the claim as invalid. I provided XXXX with the written confirmation from Barclays that this was fraud that I was not responsible for, yet it appears that Barclays tacked on new charges and is assessing late fees, affecting my credit, with those charges having no merit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33612
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
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: On XX/XX/22 I ordered merchandise from XXXX XXXX totaling XXXX. I never received this package ( confirmed via security camera at my front door ) and reported it to XXXX XXXX by phone. XXXX informed me that it would promptly remove the charge. However, it failed to do so. When I followed up, XXXX said I would have to dispute the charge with the bank servicing its credit card ( Barclays ). On or about XX/XX/22, I reported the issue to Barclays and received a case number for its investigation ( XXXX XXXX ). On XX/XX/22 I contacted Barclays for an update and was informed that the investigation had not been initiated and promptly would be started. After receiving another account statement with the disputed charge still being billed, I contacted Barclays on XX/XX/22 and was told the investigation with the merchant was not complete and that Barclays would remove the disputed charge while the investigation was underway. This charge has NOT been removed by the Barclays and is still on my bill along with two billing cycles of interest charges on it. Further, Barclays never informed me in writing about the disputed charge or the investigation, in violation of federal regulation. Also, it has not completed its investigation within the required 2-billing cycle timeframe.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have an account with Barclays Bank Delaware for several years in 100 % good standing ( never missed a payment ). During the peak of the pandemic, Barclays offered customers a covid relief program that we can enroll in for 90 days with penalty or impact to our credit report. I enrolled in this program and unfortunately was STILL reported to have XXXX late payment in my history from XX/XX/2021. As you can see from my history with Barclays that is the XXXX and only reported late payment which was no fault of my own. I contacted Barclays several times about this matter with no resolution. My credit report should be both fair and accurate and this is neither.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11510
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
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 have a XXXX XXXX credit card with Barclays that has been fully paid off since XX/XX/XXXX. I received a surprise credit score change of near -76 points on all 3 major credit bureaus. The credit score change was due to a delinquent balance at Barclays for a {$99.00} annual fee charged on XX/XX/XXXX. I never received a delinquent notice to my email or mailing address prior to Barclays reporting this delinquent balance. I had a credit score of near 790 before this and I have never missed a payment in my life. After multiple attempts at contacting Barclays to resolve this, I got the run around. I was not aware that I had a {$99.00} annual fee on XX/XX/XXXX. Barclays told me they would notify me in advance when I applied for this card on XX/XX/XXXX, but I never received this notice. I have not used this credit card since XX/XX/XXXX and had lost my login information to the mobile application. I trusted Barclays to send me balance statements and notifications via email or mail, but I never received them. Again, this was an annual fee and not a purchase balance I had. A soon as I was notified by the credit bureaus about this delinquent account I called Barclays and paid off the annual fee of {$99.00} on XX/XX/XXXX. I greatly appreciate Barclays to remove my delinquent inquires immediately due to them not notifying me in advance. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19335
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX a suspicious inquiry from BARCLAYS BANK DELAWARE XXXX XXXX XXXX, XXXX, DE XXXX was done with my social and personal information. I never used this bank before. When I called the customer representative and security department the company was asking for my personal information right away ( full social, address full name etc. ) Which I did not disclose entirely. Before explaining to them my concerns of fraudulent actions had occurred. They insisted on getting my full social to assist me any futher. After researching the company 's review, they are corroborate in fraudulent activities. I have reported this to the credit beru, and froze my credit accounts. I am concerned that this company does this often to incident victims.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08332
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A