Date Received: 2022-08-22
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 closed my JetBlue credit card with Barclays Bank Delaware XXXX XXXX ( account ending XXXX ). I received an email from Barclays on XX/XX/XXXX, for my payment ( account ending XXXX ). I called Barclays and told them it wasn't my charge and that the card I had with them previously ( XXXX ) had been closed the year prior. I wasn't sure where account XXXX came from or why it was tied to me. They filed a fraud charge and said I'd be notified. I received another email on XX/XX/XXXX, saying I can explore payment options. I called and spoke XXXX ( ID no. XXXX ) with the fraud department directly and he stated there was proof from the store the charge that was made was mine. I asked him to mail me, email, or text me the proof. He stated that once I receive the proof I can dispute the charge with them directly by writing a letter. I told him the entire situation made no sense because he was giving me XXXX account number over the phone that didn't match the ending account number in the emails requesting payment - AND, the account I had with them previously had been closed for close to a year. He said whomever I had spoken with to close my account never closed it and it remained open. I've now called the fraud department twice asking for the proof they say they have against me and I have yet to receive it. I'm unable to file a dispute with them because they won't send me the proof ; however, they are reporting late payments on my credit report, which was stellar before this whole situation. Now my credit score has gone down significantly and there's little I can do about it. I can't find a resolution with the credit card company and they're holding me hostage because I refuse to pay for a charge that's not mine, on a card that I had closed the year prior and they're ruining my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2022-08-22
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: Card was charged for something you did not purchase with the card
Consumer Complaint: My Barclays Mastercard ( from Barclays, XXXX XXXX. XXXX XXXX, XXXX XXXX. ) ending in XXXX was stolen from my wallet in a locker at an XXXX XXXX XXXX Pennsylvania recreation facility on XX/XX/2022. The card was one of four credit or debit cards stolen fro my wallet, Expenditures were made on all four cards by the thief the same day including a {$3600.00} expenditure at the XXXX store on the XXXX card. I reported the theft to all four credit card companies, as well as to the XXXX XXXX XXXX Police Department the same day. Three of the credit card companies gave me credit for the expenditures made by the thief. However, Barclays XXXX XXXX XXXX XXXX MasterCard Account has told me that I am responsible for expenditure by the thief. Barclays initially issued me a provisional credit to my account for the full amount of the expenditure but later reversed its decision and placed the amount back on my account. Barclays letter dated XX/XX/2022, stated that the expenditure by the thief was valid because " the card was identified as being in your possession and chip technology was used, which can not be counterfeited. '' I have been attempting to get Barclays to remove the charge since then. XXXX XXXX XXXX of the XXXX XXXX XXXX Police Department telephoned Barclays on or about XX/XX/2022, on my behalf to report the theft of my credit card. I faxed to Barclays on XX/XX/2022, a report from the Chief of Police of XXXX XXXX XXXX Police Department confirming the theft of my Barclays card and the {$3600.00} charge made while it was stolen. Nevertheless, I have been unsuccessful in getting Barclays to apply their advertised policy of not requiring payment by their card holders of stolen or fraudulent expenditures. I have telephoned Barclays fraud investigation unit on numerous occasions to plead my case. I talked to, among others, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/2022. I have been told someone will contact me after a review of the case, but no one ever calls back. I would appreciate any assistance that you can provide to require Barclays to acknowledge that I have no responsibility for the XX/XX/2022 charge of {$3600.00} at the XXXX store that I did not make as the charge was made by a person who stole my credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15317
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX credit card with Barclays Bank was compromised in XX/XX/2022. New cards sent were also compromised. Talked to Barclays and closed the account in XX/XX/2022. Cards were still being used with my name and my address. Received emails about address changes and email changes-not mine as the account is supposed to be closed. Barclays is still trying to collect {$1400.00} from collection agency. None of this is mine. Purported purchases and cash advances were posted in New York state to a XXXX XXXX address. I live in South Carolina and know nothing of these purchases. I have frozen my credit thru XXXX, XXXX, and XXXX and they are working on this. I have talked to collection agency and they are investigating. We do not understand Barclays complete inability to resolve this. Why do they continue to issue cards when we closed our account at our address. We have complained to Barclays weekly since XX/XX/2022. I want my name and identity back. Barclay 's is incompetent in stopping fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29926
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Repeated difficulty paying credit card lender after they closed my account, leaving a remaining balance to be paid. The lender provided false information over the phone stating I would receive paper mail with my account number to resolve my issue of paying online. I indicated multiple times my struggle of trying to make payment over the phone. Each letter I received never contained the correct information to allow me to reset my ability to pay online. This has lead to late payments from XXXX and XXXX I would like to have erased from my credit report history. I am current on all of my other types of loans, and this has been the only company I have struggled to make payments on. This is effecting my ability to buy a home. The company I have struggled with this problem is Barclays. I have also been transferred to a third party company that takes calls for the company that has resulted in misinformation trying to resolve my issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 983XX
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: 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 had an ongoing dispute process with Barclays, I called in on XX/XX/XXXX and was told by the rep that the reason the dispute was not settled was because the refund was provided to my previous card number and since my card was reissued with a new number, it needed 24-48 hours for the refund to show on my account. After the refund did not appear in the timeframe that was explained to me, I called back on XX/XX/XXXX and was informed by a different dispute agent that the previous agent opened a Fraudulent Activity Report on my case ID for the transaction. Since I never mentioned fraud or attempted to report anything along these lines I requested that I speak to a supervisor regarding the previous agent opening a case on my card without my approval. The supervisor then insisted that I was wrong and that I must have requested that the transaction be reported as fraud. She agreed that if one of the dispute agents created a fake fraud report on my file that the {$1400.00} transaction would be refunded to my card as initially explained on XX/XX/XXXX. After spending an hour on hold for the supervisor to review the 10 min recording, she acknowledged that I did NOT file a fraud report and the dispute agent never asked for my permission to file a fraud report. She then denied that she ever agreed to refund the {$1400.00} and repeatedly talked over me before abruptly hanging up the call after telling me there was no level of management above her and she had the ultimate say regarding the dispute and fraud report. The initial dispute this was regarding was submitted as a CFPB complaint that was never addressed. Barclays provided a number to call for the Office of the President that went to a voicemail inbox that I called 5 times over two weeks and never got a return call. This is the second complaint filed, the first for not reviewing documentation for the initial dispute and the second for their dispute agents filing fake fraud reports in order to have the disputed transaction temporarily refunded to my account before rejecting the fraud claim and returning the funds to Barclays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 282XX
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: Application : XXXX I applied for an extension of credit and was denied by Barclays because they're are approving consumers by a judgemental scoring system which is discrimination as congress states in the Federal Equal Opportunity Act. Barclays did not act in good faith because credit isn't a privilege but it's the right granted. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. According to 12 USC 1431 banks are borrowers and not lenders and my application was a financial asset. Barclays has a transaction on my consumer report which me there was an unauthorized use of my credit card ( 15 USC 1602p ) where I didn't receive any benefit from the consumer credit transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 290XX
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am writing to report that I have been the victim of unfair business practices by XXXX XXXX for XXXX account ending in XXXX during the months of XXXX and XX/XX/XXXX. XXXX has chosen to forgive some of the charges during this period of fraudulent activity but maintains that some are legitimate charges that I am responsible for, despite my repeated efforts to explain the situation to the company and resolve the issue in a timely manner by reporting fraud as soon as the first unknown purchase was made on the account. I maintain that it is unfair and unjust to forgive most of the charges, which suggests the company agrees that the charges were fraudulent, and then make me pay any remaining amount. In this communication, I am including the following sources of supporting information to demonstrate that I am the victim of identity theft, the charges on this account were fraudulent, and that XXXX XXXX has demonstrated unacceptable negligence in the handling of my accounts that has compromised my credit standing and put my public record at risk. To support my claim I have the following information : A list of the dates and the associated charges that I contest on account ending in XXXX - An Identity Theft Report filed with the FTC on XX/XX/XXXX ( already provided to XXXX XXXX XX/XX/XXXX ) - A recounting of my interactions with XXXX XXXX over the past XXXX and a half months that shows clear negligence in handling fraudulent activity in XXXX and XXXX of XXXX which enabled ongoing purchases by an unauthorized actor after I had already reported fraud ( included in the following sections of the docuemnt - Documentation that I was not physically present in the United States at the time and place the purchases in question were made for account ending XXXX, including : XXXX ) airplane ticket receipts, XXXX ) passport stamps and passport, XXXX ) government issued ID with my actual address ( not the fraudulent one added to my credit report ), XXXX ) credit card statements from the credit cards I actually do use that show I was making legitimate purchases in XXXX at the time the fraudulent XXXX XXXX Charges were made ( already provided to XXXX XXXX XX/XX/XXXX ) I did not use a XXXX XXXX for any purchases in the year of XXXX, as the account had stayed unused. The unauthorized actor used multiple accounts to make purchases, and was activating cards using compromised online access to my web account. The accounts used by the fraudster were those ending in XXXX, XXXX, and XXXX List of charges that I am contesting for account ending XXXX as fraudulent activity XX/XX/XXXX - {$6.00} - XXXX XX/XX/XXXX- {$300.00} - XXXX XXXX Co. XX/XX/XXXX - {$10.00} - ABJ Cash Advance XX/XX/XXXX - {$6.00} - XXXX XX/XX/XXXX - XXXX - XXXX XXXX Co. XX/XX/XXXX - {$310.00} - XXXX XXXX XX/XX/XXXX - XXXX - XXXX XXXX XX/XX/XXXX XXXX {$10.00} - XXXXXXXX XXXX XXXX XX/XX/XXXX - {$63.00} - XXXX XXXX XXXX XXXXXX/XX/XXXX - {$15.00} - XXXX XXXX XXXX XXXX XX/XX/XXXX - {$800.00} XXXX XXXX XXXX XX/XX/XXXX - $ XXXX XXXX by XXXX XX/XX/XXXX - {$130.00} - XXXX XXXXXXXX XX/XX/XXXX - {$200.00} - XXXX XXXX XX/XX/XXXX - {$17.00} - XXXX XXXX XXXXXXXX - {$10.00} - XXXX XXXX XXXXXXXX - {$24.00} - Cash Advance If there are any other charges on account ending in XXXX during the time period from XX/XX/XXXX to XX/XX/XXXX, that I have not documented above, I contest these as well. Timeline of My Interactions with XXXX in Response to Fraudulent Activity and Identity Theft XX/XX/XXXX I was in XXXX XXXX, XXXX, and received a notification on XXXX saying that my XXXX XXXX credit card account number XXXX was used for purchases in XXXX XXXX, XXXX. I attempted to block the card on my app, since I did not have the card on my person and had not made any purchases using the card online since arriving in XXXX, and so immediately knew these charges were fraudulent. I attempted to log into the online account but did not remember my password to this account because, as you can see from statement histories, I had not used the account for XXXX months. In light of this, I called XXXX XXXX to warn about fraud at XXXX XXXX ( I got the number from the contact XXXX section of the app on the phone ) at XXXX pm until XXXX pm, and again from XXXX to XXXX pm ( XXXX XXXX ). The person who I spoke said their systems were down and I would have to call back to report fraud tomorrow, as there was nothing he could do right now. This call should be recorded, as I have been informed that all calls with a XXXX representative are recorded for compliance and quality assurance. XX/XX/XXXX I called XXXX XXXX again at the same number as above at XXXX pm ( local time in XXXX XXXX ) and warned them about the fraud I had identified the previous day. I let them know that I was out of the country, did not have the card on my person, and therefore couldn't have been using the card in XXXX XXXX. The person claimed to register my complaints, saying that they blocked the card and started a fraud investigation placing a hold on the account XXXX. After this call I thought the problem was solved. XX/XX/XXXX On this date I was in XXXX de XXXX, XXXX, and received another notification from XXXX saying the card for account ending XXXX was used again in XXXX XXXX after I had reported the card for account ending XXXX as compromised and previous activity on this account as fraudulent. I called XXXX XXXX at XXXX XXXX XXXX, which was provided to me as the direct line to the fraud department, from XXXX pm until XXXX XXXX ( XXXX time ). On this call, we discovered the person committing fraud had obtained access to my online account profile. I noticed I had received a notification saying that my address and phone number were changed for the account XXXX and all associated accounts with my name, without my authorization or knowledge. The address was changed to XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I again tried to report fraud and was informed that there was no active fraud investigation on my account from the XX/XX/XXXX call. I again requested to initiate a formal fraud complaint at this time. I also requested that my accounts with XXXX XXXX be closed because I was extremely concerned at the unauthorized access to my account that enabled changing contact information and enabling continued purchases on the account. XX/XX/XXXX I received a notification that a payment was being made on the account ending in XXXX that I had already reported as fraudulent without my consent using my linked Capital XXXX bank account. I immediately called back XXXX to inquire about the payment and they said they could not stop it. This call to XXXX XXXX was made to XXXX XXXX ( from XXXX pm to XXXX pm ( XXXX time ). On this call I requested to speak to a XXXX and I was assured the account would be closed and no further purchases could be made on the account. However as you can see above, purchases were made on XX/XX/XXXX even after all my attempts to stop activity on the account ending XXXX. My next course of action was to call XXXX XXXX and put a stop payment hold on the debit. I was successful in doing this. Again, I was left with the impression that the problem was solved by XXXX XXXX at this time. XX/XX/XXXX I received a surprising notification on XXXX and XXXX that my credit rating was downgraded XXXX points due to a missed payment. I had no idea what account this was for as I had received no notification of upcoming due payments from any financial institution. I called XXXX to inquire which account this was for and was informed that it was for XXXX XXXX mastercard. I called XXXX XXXX and requested to speak to a XXXX to get an explanation of the situation. I was informed that I had been sent a letter on XX/XX/XXXX that outlined the results of my previous fraud investigation and the company found that the charges were deemed as valid because the purchases were done with a chip and thus had to be on my person. This argument is illogical and is an unfair abuse of my rights as a consumer because I stated in initial calls with XXXX I did not have the card and can document that I was out of the country at the time these purchases were made. If the XXXX XXXX in question were on my person, I would be making purchases in XXXX as you can see from my active credit cards, plane tickets, and passport. Furthermore, this letter was sent to an address that was added to my account fraudulently on XX/XX/XXXX, after I had already alerted the company to the fraudulent activity. The letter was sent to the XXXX XXXX XXXX, XXXX XXXX, CA XXXX address. I have never lived at this address, never received the letter, and received no notice of any missed payment deadline. Had I received this notice, I would have immediately contested the companys improper conclusion that there was no fraud. However, since the company sent the notice to an address that should have been flagged as potentially fraudulent, I was not given the opportunity to make my case. On this call I re-initiated the fraud investigations on activity on my accounts in XX/XX/XXXX and XX/XX/XXXX. I called to notify XXXX of the fraud and immediately dispute the late charges posted to my account by XXXX as fraud. I then filed a FTC Identity Theft report. In this report I detailed the events already outlined above relating to identity theft and fraudulent purchases using my name. XX/XX/XXXX I called to ask where to send the FTC Identity Theft report that I filed on XX/XX/XXXX. I was given a fax number and sent it to XXXX XXXX. XX/XX/XXXX I called in response to repeated calls from XXXX. On these calls, upon answering, the person on the other end would abruptly hangup. The number the call was coming for was XXXX ( XXXX ) XXXX. I requested that the company stop calling me in this manner because it was causing me distress and I am contesting the charges. I was informed that they can not stop the system from calling me automatically and there is nothing that can be done. I felt like I was experiencing abusive debt collection for debts that I had already documented I did not owe and that accrued in large part due to the companys own negligence. XX/XX/XXXX I received the XXXX attached letters relaying the fraud determinations for accounts ending in XXXX and ending in XXXX. The XXXX letters referencing account XXXX said that I was responsible for the charges. I will note that XXXX of these letters misspelled my middle name, further indicating the disorganization of XXXX XXXX. The other letter about account XXXX said that they had deemed these charges as fraudulent and I was not responsible for the charges on this account. To my knowledge, I did not know that there were multiple accounts under my name and it was at this time unclear why the company was investigating both of these accounts for fraud. I did not get an explanation for this until XX/XX/XXXX. No charges made under my name with my XXXX XXXX accounts were authorized by me and they were all fraudulent charges. All of the charges during the month of XXXX, XXXX through XX/XX/XXXX were made in XXXX XXXX when I was in XXXX and I did NOT have any XXXX cards on my person. I have been trying to plead my case that I did not authorize any of these charges for months at this point in time. In response to these letters I called to inquire about what the rationale for these determinations was and was informed that the system is down and I cant receive any information. XX/XX/XXXX I called XXXX XXXX back and requested to speak to a XXXX to understand why they decided charges on account XXXX were not fraudulent. I was on hold for XXXX to XXXX hours waiting for a XXXX. When I spoke to a XXXX they listened to my story and told me to fax in the documentation showing that I was out of the country. I was given a fax number and address. Fax : XXXX Address : po box XXXX XXXX, DE XXXX I received no explanation about why the charges were not deemed fraudulent. XX/XX/XXXX I received a call from XXXX XXXX about collections on charges on account ending in XXXX. I explained the saga again and they informed me to send the documentation to a different fax number and address. This time it was : Fax : XXXX Address : po box XXXX XXXX, DE XXXX XX/XX/XXXX I attempted to fax my formal dispute, summary of events, and supporting documentation to the fax number provided over the phone and it did not go through. I believe that XXXX XXXX XXXX have been giving me incorrect fax numbers to inhibit my ability to advance my case with a formal written complaint in a timely manner. After the numbers they provided during phone conversations did not work, I faxed the above statement with associated documentation to XXXX at ( XXXX ) XXXX ( the fax number on their website ). XX/XX/XXXX I called XXXX at XXXX ( XXXX ) XXXX to confirm that they received the fax and had reopened the investigation. They confirmed that they had and the investigation was still open. XX/XX/XXXX I received XXXX letters in the mail. XXXX dated XX/XX/XXXX that said the charges on account ending in XXXX were deemed accurate. I received another letter dated XX/XX/XXXX, stating that the charges on account ending in XXXX were deemed fraudulent. I had no knowledge that this account had been created and was under investigation. Considering I sent my fax at XXXX on XX/XX/XXXX, I believed that the letter about account ending in XXXX was sent before my supporting documentation and formal written request to reconsider the charges on account XXXX as fraudulent. I called XXXX at XXXX ( XXXX ) XXXX to confirm fraud investigation was still open. They informed me that the dispute was still open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: BARCLAYS BANK DELAWARE, XXXX XXXX XXXX, XXXX [ DE ] XXXX.
To Whom it May Concern This letter is a formal complaint that you have reported inaccurate, unverified, unproven and untrue credit Information to the credit bureaus.
Federal laws require furnisher 's of Information to report accurate credit Information to the Credit bureaus and in this case you have failed to do so. Every step must be taken to assure the Information reported is completely accurate, proven verified and correct.
I have been disputing the below account for the last 8 Months, and never ever have I received any proof from you regarding this alleged debt below : BARCLAYS BANK DELAWARE Account number XXXX UNVERIFIED, UNPROVEN, UNTRUE AND NOT MINE. INCORRECT ACCOUNT NUMBER Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response State: HI Zip: 96761 Submitted Via: Web Date Sent: 2022-08-22 Company Response to Consumer: Closed with explanation Timely Response: Yes Consumer Disputed: N/A
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Date Received: 2022-08-21
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I bought a ticket on frontier and I bought the insurance so that I would get my money back it I cancelled my flight and I did end up canceling my flight and i havent received my refund yet and its been over two weeks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44077
Submitted Via: Web
Date Sent: 2022-08-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: n XXXX-and XXXX of the year XXXX my credit account had become past due with Barclays Bank Delaware, However I have no memory of nor record of the bank ever trying to contact me to let me know my account was severely past due, and since disputing the matter with them through XXXX, the bank has made no attempt to provide me any backup that they did try to contact me to let me know my account had been past due, and was not on auto pay. I at the time had another account with Barclays that was on autopay and was being paid on time and in full every month, so in my checking accounts, I was seeing a withdrawal to Barclays and had no indication that the account was past due. The Bank again, made no attempts that they've been able to provide proof of that they attempted to contact me at that time to let me know my account was 30 60 and then 90 days Late. And when I finally became aware of the mistake, I corrected it promptly. I've asked the institution to both provide proof of the lateness and the attempt to contact me, and asked for leniency in the matter considering both the fact that this was at the beginning of the COVID 19 pandemic, and that they failed to alert me, however on all atempts to resolve this matter between us they have failed to provide anything other then generic and cryptic responses, with no backup, just a promise that " and investigation '' had been conducted. I ask that CFPB please ensure Barclay knows that I am both entitled to a detailed response with investigative evidentiary proof and that if they can not provide this that they must remove this blemish from my credit files.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 069XX
Submitted Via: Web
Date Sent: 2022-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A