Date Received: 2022-08-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: We applied for a Frontier Mileage Credit Card and Barclay bank on XX/XX/XXXX. We were approved and never received the card but received a bill on XX/XX/XXXX for the {$89.00} yearly fee. We called and explained that we never received a card in the mail. We live in an area that doesnt use mailboxes and we have a po box , and apparently Barclay Bank does not send to po box ES so we gave our physical Address but explained that the zip code needed to add 4 extra numbers, which is typical, since the mail carrier would know that we use a Post Office Box. The representative said she was entering the situation in the notes and could clearly tell that the card had never been received or activated. She said she would try again as before the card was not received. Yet we did begin receiving late notice charges of {$29.00} for the initial yearly charge of {$89.00} yearly fee for the mileage card. We again spoke to a representative, XXXX employee # XXXX on XX/XX/XXXX. We clearly explained we wanted to cancel the card because we never received it and so could never activate it. At this point we were well past the amount of calendar days we had to spend the minimum charges to receive the award miles. He again said he could see that the card had not been activated and he again tried to assure us that the card would be resent and we would have the dates recalculated to receive the miles. At this time we are still receiving late fees on a card that we never activated and so this transaction was never finalized. There has never been an exchange of anything of value to constitute a legal transaction
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a XXXX XXXX XXXX through XXXX XXXX. My monthly payments were set up for automatic bank draft on the XXXX of each month. XXXX sold my account to Barclay 's Bank ; I am not sure of the exact date this occurred. I was not notified by XXXX XXXX. My account was not drafted as scheduled on XX/XX/2022. Barclays reported the account as delinquent on XX/XX/2022. I was not notified by Barclay 's Bank. I do not have the " new '' account number or any other pertinent information to make payments with Barclay. I became aware only when I received a credit monitoring alert stating that my XXXX score dropped by XXXX points. My total balance is {$170.00}. The last posted payment to XXXX XXXX was on XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29625
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On or about XX/XX/2022, I requested a credit limit Increase. I received the denied letter on XX/XX/2022 ; however, the denied reasons are unacceptable and possibly violate the unfair business practice. Reference to financial institution denied letter reasons ; reasons XXXX : Credit Line Recently Change on this account! ( I do not have a credit limit increase at all since the card opened ). Reasons number XXXX ; Unable to establish a XXXX XXXX. Both of the reasons are unacceptable. For the reasons mentioned above, I also have very strong established credit, with multiple a total of XXXX ( XXXX ) credit accounts. ( MIX ). I believe the financial institutions did not proceed with my request ( discriminating ) based on application data! Moreover, the institutions violating the Federal Equal Credit Opportunity Act
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On my XXXX XXXX Credit Card from XXXX Bank, I had a credit balance of {$8.00} from clothing items that were returned in XXXX. On my XXXX from XX/XX/2022 the credit balance of $ XXXX was removed, and in transactions it stated that a credit balance refund was applied. I placed a call to customer service and explained that I DID NOT make a purchase, and I DID NOT receive a check for the credit balance, so why was the credit balance removed? I requested a check number if, in fact a check was sent, and no check number could be provided. I was told that they didn't know what happened to my money and they opened a " case ''. XXXX weeks later, still no answer as to why it was removed, and why no check was issued. The credit of $ XXXX was not returned to my account. I know this is not a lot of money, but they are not authorized to just remove money from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11756
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX XXXX transferred its credit card business from XXXX XXXX to Barclays Bank around XX/XX/2022. Without notice, Barclay Bank XXXX imposed a {$100.00} per month purchase requirement upon cardholders. If this is requirement is not met, a {$2.00} per month fee is imposed. On XX/XX/2022 I was charged a fee of {$2.00} pursuant to this requirement. While such a charge might seem de minimis, the purchase requirement is not. No information concerning this fee is found on the Barclay Bank XXXX website nor do the FAQs mention this. Prior to the change in banks, no such requirement existed, thus consumers in good faith signed up for a card that did not impose a minimum purchase requirement. Without notice, consumers are now required to spend {$1200.00} per year using this credit card or incur an arbitrary fee, which presumably can increase over time. I contacted Barclays Bank XXXX concerning this and was told by a representative that she could not do anything about this requirement, although as a courtesy she removed the {$2.00} from my account. While closing a credit card account is an option, this action can adversely affect one 's credit score for a several reasons. When a consumer loses the available credit limit on that account, her credit utilization ratio jumps, thus suggesting that the consumer is using a higher amount of her available credit. I believe this requirement to be inequitable, discriminatory and illegal, and particularly harmful to XXXX such as myself who are retired and on a limited income. We did not sign up for this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94952
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am signed up for paper bills. I did not receive my XXXX Statement ( XX/XX/XXXX - XXXX/XXXX/XXXX ). I did not realize it until I went to pay my XXXX statement and saw that there was both an interest charge and past due balance. I pay the balance due each month so as not to have to pay interest. On XX/XX/XXXX I called Barclays XXXX XXXX XXXX XXXX and explained the situation. They reviewed my history and agreed to reverse both the interest and late fee. Although my payment was not due until XX/XX/XXXX, I asked the agent if it would be better to pay over the phone to make sure everything was resolved so I would be back to a " XXXX '' balance. She agreed and took the total balance due ( {$2100.00} ) subtracted the {$40.00} interest and {$29.00} late fee and said I owed {$2000.00} and I gave her my checking account information to pay immediately. My next statement, for XXXX ( XX/XX/XXXX - XX/XX/XXXX ) again showed an interest charge of {$30.00}, and it did show the credits for the previous interest and late fees. I called again on XX/XX/XXXX to get an explanation. The agent said it was an error and said she would reverse the fee as I should not have been charged the interest. Again, I specifically asked her what I needed to pay. The agent subtracted the {$30.00} from the statement balance of {$440.00} = {$410.00} This time, I chose to pay online so I had a clear record of payment on the website. On XX/XX/XXXX I paid {$410.00}. and assumed that NOW it would finally be all resolved. XXXX Staement arrives and AGAIN there are more interest charges for {$39.00} AND I was never given the credit the agent promised for the {$30.00}. I called again on XX/XX/XXXX and was on the phone for almost 1 1/2 hours. The first agent said that she " was not authorized to remove interest charges that high '' which made no sense since the previous agent on XXXX was able to remove over {$40.00} in interest. She transfered me to a manager named XXXX. She said that she would be able to remove the interest charges but that I had to pay the full balance due ( including BOTH the {$30.00} from XXXX and the additional charges of {$39.00} for a total of {$70.00}. XXXX. She said that " the system '' would take 2 days to issue the credit for the interest charges and since my bill was due the next day, XX/XX/XXXX, I had to pay the full amount and get the credit in the next statement. I was very upset, and XXXX continued to interrupt me and failed to understand that I did not think it was right that I would have to put out over {$70.00} now for fees that several agents had now agreed I did not deserve to be charged. Recall that part of those fees were because the agent in XXXX did not do what she said she would, so the charges were not reversed. In effect, Barclays is holding over {$70.00} of my money for a month before I actually see the credit. She continued to argue with me that I would get it back in a few days. I told her that a credit towards next month 's bill is not the same. I was paying in cash, the $ was leaving my account that day. Eventually she rudely disconnected the call without telling me, I was put in a que and XXXX, another XXXX answered the call. I went through the entire story all over again with him, my anger intensified because I had been hung up on so rudely. XXXX explained that the credits for the interest take 2 days to get issued and re-stated that I had to pay the full amount including the interest. He also informed me that there would be ADDITIONAL interest charges that would hit my account on XX/XX/XXXX even if I paid the entire amount ( including the interest charges which everyone agreed I should not be charged ) on XXXX XXXXXXXX. My understanding is that because the agent in XXXX did not do his / her job and did not reverse the charges as promised, my account is now flagged as not paying the full amount due for 2 consecutive months! I am a good customer and always pay the full amount, I never carry a balance and never have in all the years I had this account ( 5 years??? ). I was flagged due to their agent 's errors and misinformation!! He agreed but said that there was nothing he could do, that I would have to pay the amount including the unjustified charges, and call back again next month and go through this all over again! There does not appear to be an end to this! They are going to keep on charging me interest, forcing me to pay, and then MAYBE issue a refund if the agent decides to do their job. Meanwhile, they are taking my money and using it for the month and probably making money on my money!!! This is a vicious cycle happening to a good customer who has done nothing wrong and has excellent credit!! If I had truly been acccurately informed, I would have just stopped using the card until it was all fixed, but it was only the 4th agent, XXXX, that truly explained what was happening ( even though he could not/ would not fix it ). There must be a law protecting customers from this kind of activity!! Please help me!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08054
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Account - XXXX You are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ONTHE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled or Charge off is Income. The reporting of this account as a debt is in accurate. 15 USC 1681 5-2 Says you XYZ company are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. You are hereby put on NOTICE that you are furnishing incorrect inaccurate information. The lender must file Form-7099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS XXXX publication. SEND ME MY FORM 1099-C that you should have sent to me when you Filled the account as a canceled debt. 15 U.S. Code 16815-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is Inaccurate ; and ( ii ) the information is, In fact, inaccurate. You are hereby put on NOTICE that you are furnishing incorrect inaccurate information. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS XXXX publication. SEND ME MY FORM 1099-C that you should have sent to me when you Filed the account as a canceled debt. 15 U.S. Code 5 16815-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( i ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
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 was affected by the Tornado that struck my place of employment ( XXXX ), which resulted in financial hardship and caused late payments. XXXX XXXX XXXX Please remove these late payments from my account due to natural disaster.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Hello I signed up for Barclays XXXX XXXX XXXX XXXX towards XXXX end with a promotional offers of XXXX XXXX XXXX and {$95.00} statement credit after spending {$2000.00} within 90 days. I met the requirements and got the XXXX XXXX XXXX but haven't got the {$95.00} statement credit. Barclays is denying {$95.00} statement credit and telling me that it's not in the offer terms Luckily I got the offer terms downloaded before that offer was gone and also took the screenshot from their website. Attaching both with my complaint
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 951XX
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX XXXX REFER # XXXX XXXX XXXX XXXX I WAS TOLD THAT THE CARD SHOW XXXX BALANCE ON MY CREDIT CARD. AS OF TODAY STILL AFTER 45 DAYS SHOWS A BALANCE ON THE CREDIT REPORT. PAYMENT OF {$2700.00} ON XX/XX/2022 WAS SENT TO BARCLAYS CREDIT CARD AND ACCT PAID OFF. AS OF TODAY STILL SHOWS THAT I OWE THAT BALANCE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77377
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A