Date Received: 2022-07-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX Barclay withdraw {$110.00} from my checking account. they had done a electronic transfer. Barclay scanning must have mistakly inverted two numbers, for it to be taken out of my account. the two numbers can be obtained from my bank. This was for a XXXX XXXX Visa credit card transaction. I contact Barclay on XX/XX/XXXX and was told its a XXXX Banking situation since it was as Visa account. This wasnt accurate since Barclay took over XXXX XXXX on XX/XX/XXXX. This was Barclay first misguiding of me on solving the situation which has never been resolved. XX/XX/XXXX Called back and talked with a XXXX and was transferred to the Fraud dept. They kept looking for an account. Could not find one, do to me not having an account with XXXX XXXX or Barclay. Which i mention many times. they did find an XXXX XXXX account which was closed in XXXX. I was working with a lady name " XXXX '' I also had my bank involved with a three way converation. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX # XXXX XXXX. XXXX did a verification to make sure nothing was owed on the XXXX XXXX account closed in XXXX, she used a text look up. i have the text code XXXX informed me and XXXX from my bank this would be refunded and only the paper work needed to be proceed. I would receive notice by email or a call. XX/XX/XXXX Had not heard anything, so i called Barclay to find out statues. I was informed there would be no refund given to me. I asked to talk to a manager and was informed no one was available. I was willing to wait until a manager was available. I was told no one would be for the remainder of the day and would have to wait for a call back. XX/XX/XXXX Called back after 24 hour waiting period. Talked with XXXX XXXX I was informed my concern was Red Flagged. and being investigated. Case ID # was given to me. XX/XX/XXXX was called about my case by a XXXX XXXX who made it clear she was doing me a favor. I contacted my bank and had XXXX and XXXX work on the situation. XXXX shared XXXX methods for resolving the situation. During this time the individual who had the XXXX XXXX account contacted XXXX informed her, His account was credit for payment and nothing was takin out of his checking account. This person also called Barclay and was told dont worry about it. its the other person situation. I am the other person. XXXX gave us an XXXX # for this person to call back Barclay. This person called Barclay a second time and was not able to resolve the situation. XXXX, Barclay is either creating fraud by their standards and not willing to correct the situation. I would still like Barclay to refund my account for {$110.00} and have this reported in as many ways as possible for Barclay falling to correct their mistake. thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is an account for Barclays showing opened in 2020 on my credit report. I have no knowledge of this account nor have I opened any accounts in 2020 on my credit. The next step will be filing a police report for fraudulent activity and identity theft if this can not be resolved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77338
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
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: Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXXXXXX Late Dates XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90802
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have asked Barclays Bank Delaware multiple times via certified mail to fix two credit reporting issues for this account : 1. There is an inaccurate " CO '' code on the XXXX payment history for this account listed for XX/XX/XXXX, despite the fact that the account was settled at {$0.00} in XX/XX/XXXX. Under the Fair Credit Reporting Act, accounts that have been settled should no longer display any new payment history codes. Any payment codes posted after XX/XX/XXXX are considered re-aging the debt, a serious violation of the FCRA under Section 623 ( 5 ) ( A ). 2. The " Delinquency First Reported '' date on my XXXX report says " XX/XX/XXXX '' -- which is impossible since it was settled at {$0.00} in XX/XX/XXXX, with XXXX activity since then. This field should say XXXX XXXX, XXXX. Again, this is an illegal act of " re-aging '' the debt. Barclays alleges that this information is correct when it is obviously, and illegally, wrong. See attached letter dated XX/XX/XXXX. If Barclays can not report this account accurately after multiple disputes sent with full documentation, they must delete the trade-line from my credit reports entirely.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
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 : XXXX I heard from the president 's office, this took another 4 calls with them to fix and I finally got my check for {$71.00}. A nice woman called and asked if I wanted to close my account and I did not call her back as I had 1 ) moved to a new home and my time was a bit scattered and 2 ) I changed jobs and was also onboarding. I received another bill from Barclays for {$4.00} for an XXXX ride in XX/XX/2022. Once again, this is not my charge. Barclays had allowed someone to run up XXXX rides on a card that was 1 ) expired and 2 ) had never been activated. I am so truly disgusted with this company. I do not know how any credit card that is 2 months expired or has never been activated and was in my home could be stolen. I also don't know how they can tell me everything has been solved and I can close my account and then send me another bill. I called the office of the president directly when I received the most recent bill and they have not called me back. It's been over a week.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80209
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2022 multiple charges were made at the retailer XXXX 's XXXX on my XXXX XXXX. The first transaction of {$1700.00} went through whereas the others were denied. I received a notification and immediately called to report the fraud. I am not a XXXX 's XXXX member and have never had an XXXX 's XXXX transactions on this credit card. I was told by the telephone representative that a pin number had also been set up and there were cash withdrawals. I told the telephone representative that both the XXXX 's XXXX charges and cash withdrawals were not made by me. I have never made a cash withdrawal from this credit card or any credit card that I have. Although I still had the credit card in my possession, a new card with the same credit card number had been sent out since the card in my possession had a XXXX expiration date. This new card is the one that was stolen. I was immediately issued a new card with new number and the fraudulent charges and cash withdrawals were removed from my account. On XX/XX/2022 I received a letter that was date XX/XX/2022 stating that since the card was in my possession, they consider the transaction of {$1700.00} to be valid and have placed it back on my account. Oddly, there is no postmark on the envelope. On XX/XX/XXXX, I called to dispute the findings and was told that a representative should be contacting me within 10 days. On XX/XX/XXXX, an autopayment was withdrawn from my bank account which included payment for the {$1700.00}. On XX/XX/XXXX, I made a follow up call and was told my dispute from XX/XX/XXXX had not been reviewed. The representative I spoke with on XX/XX/XXXX said that she would escalate this to a complaint and that I should hear back within 5 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92626
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
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: History of Dispute with Barclay Bank regarding chargeback of XXXX XXXX XXXX purchase and subsequent Non Delivery of goods. XX/XX/XXXX, I entered into and signed a very professional contract to purchase a drive shaft for my XXXX XXXX for {$290.00}. USD with a XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. I thought this was interesting, a junkyard that incorporates contracts in its sales. I later find via XXXX maps that this is a residential address. XX/XX/XXXX, XXXX charges my Barclay Card for {$290.00}. I have indicated the delivery address to be that of my mechanic who will do the installation. I have instructed the mechanic to keep an eye out for the delivery. This is a large shop employing 6 mechanics that receives multiple deliveries every day. I assume the part is coming from Delaware, the address on the contract. One week to three weeks later, no part. I am told in no less than 17 phone calls and emails ( I have the dates ) that it's coming from their other yard in Oregon and ill have it tomorrow. I keep asking for a tracking number but they will have to get back to me on that. In the last week, they promise to refund my money, but this is just another stall tactic. No refund or part ever arrived. Wednesday, XXXX XXXX, I call Barclay and explain the problem that I never received the goods or even a tracking number. They open a Case # XXXX XXXX and assure me that they will research this. XX/XX/XXXX, I receive a letter from Barclay dated XX/XX/XXXX indicating they have reached out to XXXX. XXXX attached. In the XXXX week of XX/XX/XXXX I received a letter from Barclay dated XX/XX/XXXX that indicated they attempted to contact me XX/XX/XXXX and XX/XX/XXXX with no success and for that reason can not continue pursuing my claim. I travel extensively so did not get this letter in a timely manner because Barclay insists on corresponding by US mail. The letter indicated if I have more information, please provide it. Letter Attached. XX/XX/XXXX, I write a letter to Barclay to emphasize previously supplied information. I indicate quite clearly that the essence of my case is simple non-delivery of goods and that no proof of delivery or even a tracking number has ever been offered. It appears to be a clear-cut case to me. The basis of my appeal to the CFPB is that a tracking number and proof of delivery is essential to this case and should have been incumbent on Barclay to ask for this most obvious information from Day one. If they had we would never have gotten to this point. I suspect they were just awed by the contract. XXXX is obviously a criminal enterprise. They never had an intention of delivering any parts. It turns out I am not the only one with this problem with XXXX. XX/XX/XXXX. Barclay writes to me that they are not able to credit my account due to being outside of the permitted time frame. Barclay has had my appeal for over three months. Not a problem when they asked me to file the appeal. Letter attached Summary If Barclay had asked the merchant the simple and most obvious question on day one ; where is the tracking number and proof of delivery, this case would be closed. Can CFPB bring me any justice in this time-consuming mess? Sincerely XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 025XX
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On or about XX/XX/XXXX, XXXX XXXX handed over processing of the XXXX XXXX credit card to Barclays Bank, where it is now the XXXX XXXX XXXX XXXX XXXX. As part of this transition, payments made to XXXX bank were to be credited to the new Barclay accounts, and new cards were issued. My payment of {$2100.00} to XXXX, which was sent electronically on XX/XX/XXXX, was accepted on XX/XX/XXXX and credited to the new Barclays account. You can see this transaction on my Barclays XX/XX/2022 statement listed as - {$2100.00} with the Description of " PAYMENT - THANK YOU LANG*! XXXX ''. However, on XX/XX/XXXX, a transaction of {$2100.00} was posted to the new Barclays account with the Description " / % m ''. Needless to say, I did not authorize this transaction. When I called Barclays about this mysterious transaction, they said that my payment had been returned to me because it occurred after the transition from XXXX to Barclays. However, no payment was ever returned to me through my bank, and to this day I have received no refund. My bank ( XXXX XXXX XXXX confirmed that the payment was successfully processed electronically and gave me a confirmation number. My XXXX bank statement also confirms this. Since the XXXX of XXXX I have called Barclays at least 7 times to attempt to get this resolved. I even contacted XXXX bank ; they were sympathetic and said they had heard about this problem from five other customers just on the day that I was talking to them, but that it was a problem that only Barclays could resolve. I have also sent electronic messages to Barclays through their message center and supplied them with all the information they have requested, including FAXing ( per their instructions ) evidence of the bank statements and confirmation of electronic payment. Still, on my last phone contact with them today ( XX/XX/XXXX ), they seemed to have no idea what was going on, and one customer representative even hung up on me. They also refused to give me a case number or confirmation number on my call, and I refused to hang up until they at least provided me with a call center employee identifier so that I could track the call if needed.
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: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In XX/XX/2022, Barclays Bank Delaware requested a credit review on my name through XXXX. I am a current customer of Barclays '. When I called Barclays, they transferred me to 5 different people but did not respond to my question as to why a credit inquiry was initiated using my personal information. I am being extra vigilant because a few days ago, someone fraudulently used by personal information and tried to apply for a credit card on my name with XXXX. After I received the alert by XXXX that XXXX ran a credit check on me and after i confirmed the details with XXXX, I decided to be cautious and check all 3 credit bureaus for suspicious activity. This is when I saw the Barclays inquiry. Barclay was also unwilling to put an alert in their system for my name/ss #, in case someone tried to open an account with them using my name fraudulently.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: To whom it may concern : I am having a completely poor customer experience with the XXXX XXXX barclay 's MasterCard. I have been complaining for over a month about the card, the customer service, the website, etc. I want to pay off the card and completely close/cancel the account, however your website will not allow me to log in nor will it allow me to reset login name and password. I've called into Customer Service at XXXX and the Customer Service Reps are totally lost on resolving my issue. In additional sent letters to Barclays Bank Delaware, XXXX box XXXX, XXXX, DE XXXX and still no response after greater than 30 days. Note : If this account goes past due, I will not pay any late fees. I've complained so many times over the past month, without anyone emailing me or giving me a call in attempt to help. I am also turning this into the better business bureau. I did not have any of these issues when XXXX XXXX card services were with XXXX. The migration to barclays has been a total failure. I need this business to contact me so that I can pay off the bill and close the account. I NO LONGER WANT TO DO BUSINESS WITH MASTER CARD/BARCLAYS/XXXX XXXX XXXX I ALSO WANT FOR MY REWARDS POINTS TO BE TURNED INTO CREDIT ON THE ACCOUNT OR CASH PAYOUT. Last Four of Account : XXXX Exp Date : XX/XX/27 XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A