Date Received: 2022-08-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: After having some expensive car trouble, I put a large amount of money on my Barclays Delaware Credit Card. On XX/XX/XXXX, I noticed that Barclays Bank Delaware added a remark to my account, with no information. I called and spoke to a representative regarding the remark, as it dropped my credit score by XXXX points! They said there was no record of a remark on my account and I have never missed a payment, and that they never added a remark to my account. I was very frustrated because there was very clearly a remark on my credit report added by them and they said they had NO knowledge of it. I asked them to escalate the issue to investigations department and after a few hours, I got the same response. Barclays Delaware Bank claims they never added a remark on my account. I would like to have the remark removed and my credit score restored as I am no longer eligible for my housing with this drop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92117
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Received vendor credit ( XXXX XXXX XXXX XXXX ), {$1800.00} back in mid XXXX, credit has been sitting on my Barclays credit card account ( # XXXX ) up until now, XX/XX/2022. I have always maintained this credit balance and pay immediately for any purchases so that my card balance is always a {$1800.00} credit. Have contacted them to deposit this amount to my bank account. This procedure has already been accomplished before, but for a lesser amount. Have contacted customer service at least six times to accomplish this and the respomse is always " the check is in the mail ''. Being a senior xxxx person, the return of these funds are invaluable to me. Please, please do all possible for a swift conclusion to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 187XX
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23464
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I signed up under a Barclays XXXX XXXX ( XXXX ) promotion that stated the following under the terms and conditions : Bonus XXXX Miles You will receive XXXX bonus XXXX miles and a {$95.00} statement credit after spending {$2000.00} on Net Purchases within the first 90 days of your Card Account open date. I satisfied the terms of the offer by spending {$2000.00} on net purchases within the first 90 days of the card being opened ; however, I only received XXXX bonus miles and did not receive the {$95.00} statement credit. I am still owed XXXX miles from Barclays and/or XXXX XXXX , along with the {$95.00} statement credit.
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: 2022-08-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am currently living in a hotel room. I could not find a rental so I was trying to buy a home but that fell through. My landlord is selling the home so I was recently served a 60-day notice. I can provide documentation. Barclays Bank has an account under my name. I disputed some of the charges on the account and asked for an itemization and never heard back from them so the account was charged off. The last payment was in XXXX, of XXXX. I was told by the person reviewing my credit that they wanted me to resolve some old credit issues so I contacted Barclays. Barclays could not find my account or any record of me having an account with them even after I gave them the information from my credit report. I asked them for a letter verifying that they had no record but they refused. This happened on 3 occasions when I called back. I tried to inform the proposed creditor that Barclays did not have any record of my account but they wanted a letter from Barclays stating no record but Barclays was refusing to provide it. I kept trying. Barclays would promise to call me back and never did. I asked them to cease and desist reporting the account if they can not find any record. Barclays refused to acknowledge my cease and desist and stop reporting it due to their lack of records.It appears their solution was to just not document anything on their end. I learned on XX/XX/XXXX around XXXX XXXX that no record of any previous calls were showing on Barclays records. In the previous conversations, I learned that they had sold my account and to whom Barclays sold it. I contacted the 3rd party collectors that company referred me back to Barclays. That company was XXXX XXXX at XXXX. That never came onto my credit. XXXX XXXX told me the account had been pulled back to Barclays several days ago. If I had never talked to them how would I have this information and history. I grew desperate and I continued to call Barclays. I informed them that there were very few rental properties out there and that they were significantly impacting my life. I kept calling back and asking for a supervisor. I believe I have now called 11 times. Around the 9th call, they said they located my account, and despite my belief that there are fraudulent charges I offered to settle with them. I was that desperate. Barclays told me it would take 7-10 days to let me know if they would accept a settlement. I waited 7 days and I called again. I just hung up with them today XX/XX/XXXX around XXXX. This time I spoke to XXXX XXXX who stated there were no records of any previous conversations and that I had to wait another 7-10 days. They have never responded to my dispute and request for information in XXXX of XXXX, they have refused to cease and desist reporting when they could not find any record, they willingly continued to report the account, would not acknowledge they could not locate it. Barclays reporting to the major bureaus show they have updated the account on XX/XX/XXXX but none of this information was reported to the bureaus. It is my opinion they have violated fair debt collections statutes. FCRA Section 611 Part ( A ) ( 1 ) FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre FDCPA Section 811 ( a ) ( 2 )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90002
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
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 had a XXXX XXXX XXXX that was changed to a gap barclays card in XXXX. I had one revolving charge to XXXX for a subscription service. I was told to pay off the balance on the gap visa as it would change to XXXX. My account statement was zero except for the reoccurring XXXX prime change. I changed the credit card to pay XXXX via a different card so as not to incur charges on the closing card. Barclays still changed me for the month of XXXX even though I had already paid it. They said XXXX must have taken 2 payments. All of my records do not support this and I called XXXX and there payment history was correct and I had made the XXXX payment with a different card. I have called Barclays 3 times. In XXXX, they told me the charge would be removed on the XXXX statement. In XXXX, I was told the statement would be zeroed as was correct on the XXXX statement. In XXXX, the statement now has added late charges. I had to speak to 3 people, which included being disconnected and sent to a number that someone in the background was not speaking to me and when they did I couldn't understand them. The story changes each time and I feel this company is running a fraudulent service and they are cheating people out of their money. I think most people would let this go, but I was very careful and have always taken care of my charges. What is going on with that company. There is really no assistance and I have had 2 assistants tell me it was resolved and now the third is saying that XXXX was paid and would need to reimburse them. This is not correct and even the statements don't hold up to this last persons information. Wouldn't the company talk to XXXX and resolve this? They told me I would need to talk to XXXX or just pay the difference. Something is rotten at this company. XXXX was paid by me and not by barclays. This is so not the way a credit card company should be run. As soon as this is resolved I will be closing this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55038
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for the Barclays XXXX XXXX XXXX Credit Card that included a signup bonus of XXXX XXXX XXXX XXXX and a {$95.00} statement credit after meeting spend requirements. I met the required spend and received the XXXX XXXX, but did not receive the {$95.00} statement credit. After multiple calls and emails I still have not received the credit. I wish to receive my {$95.00} statement credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: We attended a Wyndham Sales pitch on XXXX. After presentation they did their sales pitch, we were intrigued and we allowed them to run our credit to see what we were pre-approved for, kinda like what you would do while car shopping. They kept pushing us to agree to put it on a credit card. I clearly even told them I dont like racking up credit cards. We ended up not going for it because of the financial timing, with us trying to buy a bigger house in the next 2 years. Flash forward to XXXX when we are back home. I receive a letter of the pre-screen/pre-approval for a line of credit which I expectedand my husband received a Barclays XXXX credit card with a XXXX limit. At no point did we agree to opening a credit card or fill out an application. Ive called Barclays which said they can just close the account, which would now double hit by husband credit. Since that credit card Wyndham fraudulently opened, did a XXXX point deduction! I called the Wyndham Vacation but of course their managers and sales department were not in.. @ XXXX on Monday..ya sure. Ill be waiting on a call back from them. After we declined their sales pitch, there was no other paperwork given to us.
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: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
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: Barclay 's is reporting that this card is mine, and I have never filled out an application for this card. I was added as an authorized user but I was asked to be removed XX/XX/2022 by the account owner. After several disputes XXXX and XXXX have failed to provide XXXX XXXX from Barclay 's verifying that I am the actual account holder
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32304
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: we took a cruise in XXXX XXXX i went to get on the boat and i was told that even though i was vaccinated my wife and i was going to have to take a covid test before we got on the boat. XXXX employees led us to another room where we waited in line for this test that i was never told was required. i asked 3 employees if there was a charge for this service and no-one knew the answer. We took the test and got on the boat. the next day when i checked the balance on my card their was a XXXX XXXX test charge on my card. i immediately went to the ships service desk to complain about this charge. the showed me a form that had a signature on it that clearly was not my signature. i was never told of this charge nor did i sign any form agreeing to this charge. i disputed the charge with the credit card company and they credited me the XXXX back. i paid the balance that i charged and closed the account with a XXXX balance. now 2 months later they have decided to charge me the XXXX back on my closed account and charge me a XXXX late fee because they believed the form that had my forged signature on it that i agreed to the charge. once again i did not sign this form and i did not agree to this XXXX charge. it is clearly not my signature. and they charged the money back after i closed the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29036
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A