Date Received: 2022-07-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very XXXX for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. BRCLYSBANKDE XX/XX/2019
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94601
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This is about Barclay bank XXXX XXXX XXXX XXXX XXXX de, XXXX. I canceled a credit card I had with them on XXXX XXXX. Balance was XXXX XX/XX/XXXX they sent me an email saying I owed XXXX. I called rep said a charge was put on the card for XXXX on XX/XX/XXXX. the other charges were late fees. I asked why I didn't receive a statement/bill in XXXX and I would have paid it. Couldn't get no answer. I asked for and never did receive a statement. I didn't know I owed this even. The phone number on the email was XXXX, the phone number I looked up and called because I thought the email was a scam was XXXX. This rep told me it wasn't a scam. Another number XXXX XXXX XXXX came up Barclays bank called my home 6 times a day 6 days a week, if I answered they never said anything so I stopped answering. What I thin happened was they did a 6 month audit, found the charge and sent me an email saying I owed this money trying to get me to pay 6 months back late fees that I should not have had to pay. The last email I got said if I didn't pay XXXX by XX/XX/XXXX they were going to charge off the account to a collection agency and try to have them get me to pay. I didn't want my credit hurt any more so I paid it in full XX/XX/XXXX, I feel XXXX was stolen from me and I should have only had to pay XXXX if I owed that and if i would have received a statement in XX/XX/XXXX i would have paid it. I think Barclays bank has a very poor way of treating customers and doing business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55014
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am a consumer of the XXXX XXXX XXXX XXXX XXXX. I am fully aware that I can not be denied for credit ( only Insurance and employment ) you sent me an adverse action which I am totally confused by seeing as I already completed the transaction when I did the credit application ( extended credit ) 15 USC 1691 ( d ) ( 6 ). Please be advised that by doing that, it is aggravated identity theft because you took my application and entered me into a consumer credit transaction ( knowingly took my credit application and opened up a checking account without my permission ). With that being said, I demand immediate approval of the consumer transaction I originally applied for. I have been discriminated against.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Pulled a hard inquiry on my credit check without my consent!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78148
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have had a Carnival Mastercard ... XXXX with Barclays for a number of years. I pay my bill automatically on the due date in full. For the last couple of months I have seen Purchase Interest Charges and Minimum Charges Fee assessed to my account for no reason. I have filed a Complaint with the company and they are refunding those but it keeps happening. I don't normally watch my card so I am concerned that the Company keeps assessing these charges and I have paid some inadvertently in the past that have not been refunded. This appears to be a pattern and not a one time mistake. I also have a charge of {$1.00} from Carnival Cruise which makes no sense as I have made the required payment. Please look into Barclay 's practices as this seems to be an ongoing issue and it most likely affects thousands of consumers that have no idea of what is going on. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 451XX
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
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 written a letter and called multiple times ( mostly to be hung up on after waiting patiently for 20 minutes/or more ) to understand what a charge on my card is for, no one has be able to answer my questions and so tired of calling to be transferred and they say it's under investigation and no more information. I keep asking for clarification for a debit adjustment charge of {$66.00} on XX/XX/XXXX and no one can provide any answers and keep getting the run around. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11101
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Barclays closed our credit cards for no apparent reason and with no notice. We have been long term customers, have excellent credit, never missed a payment, and had a {$20000.00} credit line. Barclays has declined to reinstate our cards. I have a Barclays issued case number : XXXX. Credit card number : XXXX XXXX XXXX XXXX, expired XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I sent my payment in time but they saying that they didnt receive and I have proof of payment from my bank. Have tried to work with them sending proof of payment but they keep on charging me plus late fee every month. Got a lawyer but still they refuse to work with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28214
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have a credit card from XXXX that is then issued by a bank. The card is XXXX branded and entitles me to certain discounts from XXXX. They recently changed credit card providers and I was issued a new card from Barclays bank. To activate the card, I was directed to go online and enter some information. I did. I was required to enter my email address as part of this for what I thought would be credit card issues so they could be resolved. Despite the email being entered as part of activating a credit card, XXXX has begun inundating my email address with advertisements. Sometimes more than once a day. XXXX does not take return emails from the email address they write from. I then went online and found how to communicate with them and asked them to limit the number of emails to one a month or none. They told me they could not do that I I had to go on line and opt out. Since I never opted in, I see no reason to have to opt out and believe they are in violation of CAN SPAM. I have tried reaching out to other email addresses of XXXX management, but I have not received any responses. I realize that this is not generally what CFPB does since it involves XXXX XXXX, but since they used a branded credit card issued by Barclays and Barclays appears to be part of this scheme, I think it is within your preview. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60640
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: This is a continuation of the three previous complaints with updated information. The three previous complaints are : XXXX XXXX XXXX I did receive a call from Barclays card 's presidents office regarding this ongoing issue but they were unable to provide any timeline as to when this will be resolved. I received the attached update from XXXX XXXX, and indeed have verified, that due to the fraud perpetrated by Barclays Card against my credit my other trade lines are starting to retract some of their available credit to my otherwise stellar accounts. To date I have lost access to {$12000.00} of additional credit due to my credit dropping by XXXX points due to this fraud. This is causing me harm and needs to be resolved. Barclays inability, after 5 weeks to resolve this issue shows that they don't care and have no interest in resolving the fraud they have caused upon me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80214
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A