Date Received: 2022-07-28
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: Based on my review of my credit report and I have found significant reporting errors. According to the Fair Credit Reporting Act there are various federal laws in place to protect me as a consumer and the construction of the business transaction between Barclays and myself. Barclays, as a creditor is well aware that it CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. Pursuant to 15 USC 1666 ( B ) a creditor, in this case Barclays, may not treat a payment on an account under an open-end consumer credit plan as late for any purpose. Barclays is currently reporting payments due for XX/XX/XXXX and XX/XX/XXXX as being late. I am requesting that in accordance with the federal law that the payment references for XX/XX/XXXX and XX/XX/XXXX, on this open-end revolving account be corrected and reported as PAID AS AGREED/ON TIME, as stipulated by the law. In addition to violating this consumer right by reporting my payments as being late, Barclays has incorrectly reported my payment history for XX/XX/XXXX and XX/XX/XXXX, as being 60 days late. How is it possible for the account to go to PAID AS AGREED in the preceding month, then go to 60 days late? I have requested on several occasions over the last past few months for these billing errors to be corrected, however the account continues to be reported inaccurately. This error also shows how XXXX, XXXX, and XXXX also have violated my consumers but not verifying any information furnished to them, working with creditor like Barclays to report any information on a consumer profile. As result, these agencies shall be included in this complaint and further action should be taken against them as well for failure to do what is required by the law! Furthermore, 15 USC 1681S-2 ( 7 ) ( E ) states that nothing under the FCRA requires a financial institution to furnish any negative information to a consumer reporting agency. Barclays disclosure in its credit agreement states : You also authorize us to exchange credit information concerning you or your Account with ( and answer questions and requests from ) others, such as merchants, other lenders and credit reporting agencies. From time to time we may request employment and income data from third parties for the ongoing administration of your Account. Barclays corporate policy does not supersede the law. The law indicates that consent is needed to disclose non-public personal information to a non-affiliated third party. By law you did not disclose, nor more importantly did Barclays allow me the opportunity to opt out of having my information disclosed and its clear this option was not provided to me because it is solely beneficial to Barclays. This again is direct violation of my consumer rights. And pursuant to 15 USC 6802 ( 1 ) a financial institution may not disclose nonpublic personal information to a nonaffiliated third party. And after being notified, Barclays has continued to intentionally attempt to financially harm me and tarnish my reputation by reporting these billing errors, and unlawful furnishing nonpublic personal information without my consent to unauthorized 3rd party. Barclays credit agreement and acts been extortionate in nature and the refusal to correct this billing errors, nor providing the right to opt out has not been done as it not beneficial to Barclays. This act by Barclays, working the credit reporting agencies is a form of racketeering and extortion as this parties illegal activities negatively effect on me. Further, Barclays indicated to me that would make an accommodation, which they by correcting and waving the late fees and interest place on the account, however they did not correct the payment history to PAID AS AGREED. This here again is just another example how Barclays has again violated my consumer rights. I have reasonably set forth how my consumer rights have been violated in regard to this transaction, therefore I requested that this account be modified to accurately reflect PAID AS AGREED.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77008
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
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: Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. BRCLYSBANKDE XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08755
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: The thief is using my credentials to apply for banking and credit cards in my name. Everyday and email shows up with a new application in different states. I have been calling the banks and let them know is fraudulent. Which they are having time to believe me! Its been overwhelming for me Im in XXXX about it! What can I do to make this stop! Its been continuously going every day! Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: We made online payments to our Barclays credit card via our checking account with XXXX XXXX. Barclays sold our account to XXXX Bank in XXXX, but we were never notified and didn't find out until we tried to use the card in XXXX and it was declined. When I called the company we were then informed of the transfer to XXXX and they stated that we never made our XXXX payment, which we did, but we paid it, the same as always, from XXXX XXXX directly to the account we had on file ( XXXX ). We didn't receive our notice of the change and a replacement card until XXXX. The XXXX online payment was for {$400.00} dollars and XXXX never received the funds. The old account number we used to pay to XXXX is no longer attached to an account ( they closed the account when they sold it ) but that's where XXXX XXXX sent the {$400.00}. XXXX reported against our credit for being late, even after we explained the situation to them. We were left with {$400.00} missing and forced to come up with additional money, not in our budget, to pay them ( we have since paid that account off in full ). We stated a claim with XXXX XXXX on XX/XX/XXXX to find our " lost '' {$400.00}. Since then we've had 5 communications between us, XXXX XXXX, and Barclay. As our XXXX XXXX repo put it to Barclays on XX/XX/XXXX " XXXX things happened, you took their money and kept it, you took their money and passed it on to XXXX, or you refunded their money. You never refunded it, and XXXX never received it, which means you've kept it. " : The manager on the phone for Barclays admitted a mistake was made and promised to refund the money to our XXXX XXXX account on that date ( XX/XX/XXXX ) ; the rep from XXXX XXXX ensured he had the correct account and routing number. We were told this could take between 7-10 business days. Nothing has been resolved as of today ( XX/XX/XXXX ). We called again today with XXXX XXXX on the line, and they claimed they were " looking into it '' and it could take up to three ( 3 ) billing cycles. A billing cycle is a month, and it's already been 3 months ; they want us to wait an additional 3 months for an answer, and we are tired of the run around and being out the {$400.00}. It's nothing for a bank like Barclays, but a lot for us. If we refused tro pay for 3-6 months our credit would be in the dumpster and we'd have tons of late fees and penalties, but they can hold or money forever and make US jump through all the hoops when the issue is 100 % of their making. THEY sold the account and never informed us ( like I said, we never got the notice and XXXX backed replacement card until XXXX ; the account was sold apparently, in XXXX ). How is it okay for them to do this to us, bue we have no recourse to them. As a result of their error, we have a missed payment report from XXXX on our credit when we did pay ( just to the wrong people ... because we didn't know yet that the account had been sold. This last communication with Barclays this morning was the final straw for me. I want someone to hold Barclays accountable for the {$400.00} they took from us and I don't want this to happen to other people. This whole situation is incredibly shady. XXXX wasn't any better in this situation as their customer service number has, for months, gone to a dead-end voicemail, and it took weeks to get a human on the phone one-time, only to be told they never received our payment. Almost immediately after, all their systems have " been down '' ... and they're " working on it ''. The main issue is with Barclays who still have our {$400.00} three months later.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93021
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
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: The problem first started when I was scammed out of {$1500.00} in Gift cards. The scammers wanted {$7000.00} but I could only get {$1500.00} at the XXXX XXXX XXXX. I had tried for {$2000.00}, but the last card would not go through. I realized what was going on and stopped buying cards. The scammers originally said that they were from XXXX and that my account had been compromised. I immediately called XXXX and the police. The pollice made a report and I found out this XXXX that XXXX had issued a credit for {$2000.00} on the XXXX of XXXX, XXXX in the amount of {$2000.00}. On XXXX the charge of {$2000.00} appeared on my Barclays statement ( the bank had changed in late XX/XX/XXXX when AARP changed banks ). Barclays is the bank that I am now having trouble with. When I wrote them in XXXX of XXXX to get them to change the {$2000.00} to the {$1500.00} XXXX thought I owed, I eventually received the letter about the {$2000.00} credit. I have contacted Barclays twice to find out when the {$2000.00} credit would be applied and on the last call I was told that they had done all they could. As of XX/XX/XXXX they have not applied the credit and I have been and still are paying interest and in on instance a large late fee. The amount turned over to Barclays from XXXX has long since been paid in full. I just want what is owed to me. I have back up for everything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12110
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
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 follow-up to the previous two complaints : XXXX and XXXX I received the attached letter from Barclays Card stating that they have attempted to contact me several times via phone regarding the status of this fraud. To date I have received a single phone call from a 'manager ' at Barclays Card on XX/XX/2022 stating that this issue would be resolved within a week from the date of that call. I have received no additional calls or contact nor, as of today, XX/XX/2022 at XXXX XXXX XXXX XXXX has this issue with my account been resolved. Nor has my credit score been restored. Nor have I received compensation for this fraud perpetrated upon myself. Barclays is not acting in good faith to resolve this issue that they caused.
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: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Barclays Bank has a pattern of applying payments that were received on time after the payment due date, resulting in late payment fees and interest charges. This has happened most recently to me with my XXXX and XXXX payments, but it has also happened previously. This is not a one-off issue. It is a practice. This most recent case is typical : my bank says it made payment on XX/XX/XXXX. Barclays own record reveals receipt on XX/XX/XXXX, the due date. Yet the payment is not posted until XX/XX/XXXX, and late fees and interest are charged. I have called the company numerous times and written to it twice. Most times, after some back and forth, the charges have been reversed. I believe it repeats this practice with many other customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28461
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
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 purchased XXXX XXXX Blinds and used an IXXXX XXXX XXXX XXXX XXXX installer in which I paid XXXX on XX/XX/2022. XXXX XXXX was responsible for measurement/ installation and for the blinds. I charged this amount XXXX to my XXXX XXXX. The measurement / installation and the blinds were all done incorrectly, the blinds have XXXX inch gaps on each side in which the sun can get right thru the window, the valance is bent and the sun can get thru the top of the valance in the living room. The blinds hang down and are not installed properly. I complained to XXXX XXXX and they did nothing to help. The measurement of the Blinds was done incorrectly, XXXX XXXX supplied incorrect blinds, and I complained numerous times to home depot, they did nothing, as If I had no other choice but to accept there terrible blinds that do not cover the windows. Since XXXX XXXX would do nothing to fix the issue, I called my credit card to dispute the charge for XXXX and XXXX not provided, defective product, and the merchant does not perform the services as described and refused to accept my return. Chargback codes- XXXX, goods and service not as described, or defective. I told XXXX that i only signed a contract on XX/XX/2022, i never signed anything that said i accepted the blinds / installation service, that is false. I only signed the initial contract to XXXX measure and install blinds by home XXXX and there install company. XXXX XXXX initially credited my account, then chargebacked my account stating i signed a document in which i accepted the job as is. I never signed anything that stated i accepted the job, that is false. XXXX XXXX did not defend my rights as a cardholder. I also supplied pictures in which XXXX stated that they could be incorrect pictures or airbrushed, that is a false implication from XXXX XXXX mastercard. XXXX XXXX XXXX did not live up to the issue of when a customer does not receive the correct item that they bought, plus installation and measurement are totally wrong and did not defend customer credit card rights.
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: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Went to XXXX XXXX to make a purchase. At the register, the salesperson said they were offering a rewards Program based on points from purchases and I would get 30 % off if I agreed to get a rewards card. So I agreed thinking it was a points purchase program. It turns out they were processing a credit card application and I never asked for a credit card nor did they ever say it was a credit card! They snookered me and I was only informed it was a credit card after all was said and done and they gave me the power work. I tried to immediately cancel it and they told me it was too late and that I now had to take up the fight with Barclays. I spent hours not eh phone and they hit my credit report. Its fraud! They deliberately mislead the consumer and fraudulently and without authority apply for cards in consumers name! This just be a crime.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19026
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: At the beginning of XX/XX/2022, I lost my wallet and immediately locked all credit and debit cards before ordering replacement ones. On XX/XX/2022, I received my replacement Barclays XXXX XXXX. I activated the card and unlocked it. Immediately after doing this, XXXX transactions that I did not recognize or authorize appeared on my balance. The vendors were XXXX XXXX XXXX for {$14.00}, XXXX # XXXX for {$4.00}, and XXXX XXXX XXXX for {$210.00}. I called Barclays immediately to report fraud and they sent another replacement card. On XX/XX/XXXX, I received a letter from Barclays stating that they found the charges valid due to " chip card technology was used, which can not be counterfeited. '' After calling their fraud department to once again report that I did not make these purchases, they requested that I file a police report to share with them. I have attached a copy of the transactions from my balance, as well as the police report I shared with them. I also placed a fraud report on my credit report and submitted a claim with XXXX to ensure Barclays I did not make these purchases, and have attached copies of those as well. After receiving these documents on XX/XX/XXXX, Barclays started another fraud investigation. I have now been sent no updates and have now called twice to inquire as to any findings. Both times, the person I spoke to said there have been no updates and when I asked what's been done in terms of investigating, they gave no clear answer. So, I do not believe they are actually investigating the fraudulent purchases. Due to how long it's been, I've had to pay the minimum pay due amount in order for there not to be an impact on my credit score. These purchases have also accrued interest that I will be responsible for. I don't feel that Barclays has taken this issue seriously, and is hoping to leave the " investigation '' open until I end up paying off these charges or leave them to harm my credit score. I'm especially irritated as these charges came simultaneously immediately after I activated my new card. I'm not sure how this even happens as I had just received the new card so the number shouldn't have been available for anyone to use.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A