Date Received: 2022-07-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with a fair credit reporting act [ XXXX XXXX # XXXX and XXXX and XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A 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: FL
Zip: 32829
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
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: On XX/XX/XXXX, per my accountant, I am required to include the charged off amount in my " income ''. I requested that Barclay Bank Deleware forward me a copy of the required 1099-C that should have been generated as a result of accounts ( # XXXX and XXXX ) being charged-off in XXXX. Barclays Bank DE responded with what I take as a stall tactic, not acknowledging the request for the 1099-C, stating that the investigation has been completed. I was not given what is legally requested/required and no specifics regarding the investigation resolution were given as to how the resolution was determined. I am demanding that Barclays Bank DE, delete this account from the consumer report as well as forwarding the 1099-C to the address they have on file. On XX/XX/XXXX, I also requested that XXXX XXXX Bank, provide me with the required ( per IRS rules on Canceled Debts ), 1099-CXXXX XXXX XXXX Bank Charged-Off account numbers XXXX and XXXX in XXXX. XXXX XXXX Bank has not responded to my request. For both creditors, I agreed to pay the past due amount that would re establish my account into good standing, with no reply being given.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I initiated a balance transfer from my Barclays credit card and received the funds. When I checked the card several weeks later, I found I was over my limit and the cause was I was charged both the balance transfer amount as well as the fee associated with the balance transfer twice. I called Barclays and reported the issue and they found that I was indeed billed twice and it would be 3-5 business days to resolve the issue. After 3 business days, they reported to the credit bureau that my account was over drawn. I called back and spoke to a supervisor and was told that it would now be 6-8 weeks to resolve the issue and when asking about a more direct resolution, I was hung up on. I called back again and was told this was a " known issue '' effecting numerous customers and that the first agent did not put the " proper notations on the ticket that was submitted '' but now that has been submitted correctly. They have no idea how long it will take to fix the issue or remove the incorrect information from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2022-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On an XXXX XXXX flight in XX/XX/2022, the flight attendant gave out information about a Barclays XXXX Credit Card with a XXXX XXXX bonus introductory offer if a purchase was made with the card. I opened the account and made the first purchase on XX/XX/2022. My account shows that I made the purchase and qualify for the XXXX bonus miles that would be credited into my account within 4-6 weeks. The time passed and the miles were not credited. Early XXXX I contacted Barclays and was told to wait until the next billing cycle. On XX/XX/XXXX, after my second contact they opened a case to look into the issue. I have spoken on the phone to customer support multiple times, I have been in email communication and even over XXXX XXXX with Barclays who keeps telling me to be patient and that in the next billing cycle I should be credited the rewards. I was using the card regularly with on time payments every month. It has been 5 months and 5 billing cycles and the XXXX miles have not been credited. I believe this is a bait and switch. They enticed me to open the card. I have used the card spending at least {$20.00} XXXX in the last 5 months and while the monthly miles have credited to my account, the XXXX k miles introductory offer has not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19711
Submitted Via: Web
Date Sent: 2022-07-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Trouble using your card
Subissue: Account sold or transferred to another company
Consumer Complaint: XXXX sold to Barclays and the transfer process seems illegal. I have been unable to login to my account or use my credit card in a month and I still havent received my new card in the mail ( its been over a month since our cards were closed when the company transferred ) .They closed our cards w XXXX and we never received new ones ( I verified address ). Without new cards we can not create a new online account with Barclays to see our history or make payments. Luckily I had made an early payment on XX/XX/XXXX right before the transfer so I wasnt concerned XXXX the next payment was due XX/XX/XXXX. I knew I was covered. I called Barclays on XX/XX/XXXX to see where our cards were and they assured me they were on their way and to give it 7 more business days. I called back on XX/XX/XXXX since we still did not have cards and spent an hour on the phone. We were charged a late fee bc they said that payment on the XXXX didnt count bc it was made through XXXX not them, even though it was made on time. They kept assuring me the account wasnt passed due and the late fee would be removed. Well I received my statement today and not only was the late fee not removed- but my account says passed due and interest was charged. I dont know where to go from here. Thank you for any help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was happy with the resolution provided before, as per the response attached, it resolved the problem. However, the charges in question have once again been reapplied to the account that now has a {$330.00} balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a online payment of {$1600.00} on XX/XX/22 through my bank bill pay to XXXX XXXX XXXX credit card XXXX That was the last day I could make a payment before Barclays purchased XXXX and accounts would be transferred to them. Barclays had posted my payment on XX/XX/22 but then immediately posted a charge for the same exact amount of {$1600.00} with a description of " / % '' in the detail line. Barclays said they have returned the payment to my bank on XX/XX/22. On my Barclays online account there are two separate payments of {$1600.00} posted on my payment history with one returned payment. So there is another payment of {$1600.00} that they have not deducted from my balance. I have contacted my bank and they have not received anything back. My bank was able to give me a Credit trace # for the digital payment. I have forwarded that to Barclays and they still claim they returned the payment and have not given me proof of the returned funds. I have been dealing with this for almost a month with no resolution from Barclays. I am also not the only one having this same exact problem. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93455
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84780
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Theres has been fraud on my credit report. Someone opened a credit card with Barclays Bank of Delaware for over {$10000.00}. I tried contacting Barclays already and they suggested that I contact you guys.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93455
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
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: I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : BRCLYSBANKDE XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90036
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A