Date Received: 2022-07-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: After suffering job loss and illness during COVID-19 and being late on an account, I was offered by the creditor directly on XX/XX/XXXX to " get up to date '' for the amount of {$100.00}. For this payment, I was promised to be moved back to " paid as agreed '' and the creditor would update my credit report so I would receive no more late marks. Additionally, I would receive no more late fees applied to the account and be given an amount to fully pay off the account once the payment processed. When this offer was made, it was made by the creditor directly, not a third-party. I asked if I could just pay the account in full but was told that it was better to pay the minimal amount, have the late fees adjusted and then be supplied an updated pay-off amount either via mail or phone-call, most likely phone call within a week of the payment processing. I processed the payment immediately on XX/XX/XXXX via phone during that conversation. Through XXXX and into XXXX, I was not contacted, I continued to accrue late fees and was not marked " paying as agreed '' on my credit report. On XX/XX/XXXX I finally made contact with a customer service representative who said that the notes on my account were a mess and the situation was entirely mishandled but promised to make it right. I submitted a payment to him that day of {$350.00} to get everything up to date. However, late notices continued to be reported to the credit bureaus and the previous ones were never corrected. I think this situation was mostly about an agent getting a quick payment to make her draw by offering empty promises. The card is now paid off and closed and I have requested a full review of the account and corrections to my credit report several times, for which I have received no response in return except for a generic denial with no consideration of context. Upon my last request, the creditor did finally update my credit report simply with the notation : " customer disputed, disagrees ''. I'm attaching all correspondence to this complaint.
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: 2022-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
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 would like to file a complaint and alert the authorities that the 3 credit bureaus, XXXX, XXXX AND XXXX are not operating according to the law and have victimized me numerous times from XX/XX/XXXX to today, XX/XX/XXXX by failing to conduct an investigation on my behalf after I placed a complaint XX/XX/XXXX and XX/XX/XXXX. They have not been handling my disputes in compliance with the laws of VICTIMS OF ID THEFT. They did not investigate my claim and stop reporting the information even though I submitted all the proper documents. They did not give me investigation results. Since you are the authorities I pray you investigate their handling of my case and remedy or correct as you see is fair according to the law. In XX/XX/XXXX I received a letter from XXXX XXXX XXXX claiming I owed {$990.00} to XXXX XXXX a debt collector. I knew that was wrong and it triggered a lot of investigation on my end. I do not have any payday loans, credit cards, auto loans or mortgages so I KNEW there was a HUGE mistake. I only have 2 XXXX Loans from when I got my XXXX XXXX. Also, in XXXX I was the victim of CRIMINAL IDENTITY THEFT in California and so I am aware criminals have my information. I ordered a copy of my credit report and cried for hours after I saw my credit report was completely demolished. There was debt that DID NOT BELONG TO ME AND I DID NOT HAVE ANY RESPONSIBILITY - 4 credit cards had been opened without my knowledge! They defaulted and were sold several times over between debt buyers like XXXX and other debt buyers. I filed a police report. I filed a report with FTC and obtained AN IDENTITY THEFT REPORT that I could send to each company. ON XX/XX/XXXX : I sent a letter, a sworn affidavit, FTC identity report, police report filed with XXXX XXXX XXXX Police Department, copy of my social security card and drivers license to XXXX. XXXX XXXX. XXXX XXXX. XXXX and the Creditors 4. BARCLAYS BANK OF DELAWARE XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Nothing changed. XXXX, XXXX, and XXXX said that the information was verified as accurate so it would remain on my Credit File but a notation would be added to state that CONSUMER DISPUTES INFORMATION. In XX/XX/XXXX when I requested an investigation AGAIN, my Credit Score went down XXXX points because Barclays Bank and XXXX XXXX XXXX added a negative comment to my file. No investigation was ever completed by XXXX XXXX OR XXXX AND NO INVESTIGATION WAS EVER COMPLETED BY BARCLAYS OR XXXX XXXX XXXX It is XXXX, XXXX and I am still waiting for the information I requested from the Creditors regarding the fraudulent accounts and how they were opened, what information was provided, and any identifying information that may help me achieve a conviction against the person who committed this crime against me. The information was not blocked by the 3 credit bureaus even though I provided a police report, an FTC ID THEFT REPORT AND A STATEMENT OF THE FACTS. I was just left in the dark and totally dismissed. To this day, those derogatory accounts are STILL ON MY CREDIT REPORTs!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 925XX
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
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 an outstanding dispute with Barclay 's Card for a total of {$1100.00} through the merchant XXXX XXXX. We had booked a multi-stay vacation with a XXXX night hotel booking with XXXX XXXX. We attempted to cancel the stay with the vendor in XX/XX/2022 due to covid restrictions to travel to the country and the stay was scheduled for XX/XX/2022. We attempted to contact the hotel on multiple occasions and received no email correspondence from the hotel in return to either refund or reschedule the visit. On XX/XX/2022 we disputed the transaction with the merchant after waiting for more than a month for a response. We eventually did receive a message back from the hotel on XXXX XXXX XXXX XXXX since our request to cancel due to the inability to get a travel visa. We explained to Barclay 's that despite the non-refundable rate, the services were poor enough to violate the terms of services for the merchant as it wasn't logistically viable to book a trip to XXXX, XXXX a week before our expected stay. The vendor 's failure to respond to two emails requesting a response wasn't acceptable. Once disputed, Barclay 's card investigated the transaction and called us back to get a response from us prior to settling the case. We called back multiple times within the window they provided to us ( see the times and dates on the dispute letter and the stated hours of operation ), left a statement with one of their customer service representatives and they closed our case for not responding to their original message despite contacting them multiple times within the timeframe they provided to us and left a statement with one of their associates. After many calls, Barclay 's agreed to repoen the dispute and have since provided no response despite being out of the 90 day timeframe included in their card 's terms and conditions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
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: On XX/XX/XXXX I booked a prepaid vacation at the XXXX XXXX XXXX XXXX. On XX/XX/XXXX I cancelled the reservation with the hotel under the advisement of the hotel staff and was told that the stay would be refunded despite it being a non-refundable trip. After the hotel refused to refund the trip despite previously stating they would, I submitted a dispute to Barclays Card on XX/XX/XXXX. They conducted their investigation within the 90 day time period and I received a call back on XX/XX/XXXX stating that I had 48 hours to return the call or they would close the dispute. I called back three times during the operating hours included in their initial communication and none of the calls went through to their dispute services team. After repeated calls I did eventually get a manager on the phone who explained that the hours previously communicated to me were incorrect citing a different set of business hours that was not included as part of the voicemail or the letter for Barclay 's that I received. I asked that the issue be escalated and the case was reopened. During this period I managed to get the merchant to agree to refund the transaction and they provided me a letter stating that the funds could be returned. I provided Barclay 's dispute services with the letter stating that the funds could be refunded ( this totaled ( {$1400.00} ) on XX/XX/XXXX. Barclays has since refused to provide any update on the status of my dispute, is out of the 90 day dispute window within their card 's terms and services, and has not refunded the {$1400.00} despite written acknowledgement from the merchant to refund the transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
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 filed a dispute with my Carnival Mastercard through Barclays. I received the response that they are holding me responsible based on the documents provided from the merchant to them. However in one of the documents, the merchant, XXXX XXXX clearly apologizes for the misinformation I was provided. This misinformation rendered the tour unusable. Their offer of compensation was for another day of hop on/off bus in NY, of which I dont live nor anyone that could have used on my behalf. Here is my original email to XXXX : When sold our hop on/off tickets we were explicitly told the buses run every 15 minutes until XXXX XXXX. Because of this we took a side trip to XXXX XXXX for dinner at dusk. After dinner we walked back to stop XXXX about XXXX and waited a good 30 minutes before I realized I had an app to check the next bus arrival time. Lo-and-behold your app read the last buses are at XXXX. I dont appreciate being mislead to make a buck. NY is not really known for being safe in many areas at night. I had to find an alternate way back to the hotel and pay extra for that when we intended to use your bus. After doing my own research the only bus past XXXX XXXX is the night tour which only has the one pick up and drop off. This is acceptable marketing tactics. I would not have bought the service had I known it was limited to XXXX. As slow as the buses take to get from stop to stop I would have stuck with a cab. I would like a refund of the fees that I was conned into. Here is one of her responses to me : We completely understand your frustration. Our Downtown Tours do run approximately every 20 minutes or so between XXXX XXXX and XXXX, with the Night Tour running from XXXX to XXXX hourly on Monday-Thursday and until XXXX. We are sorry if you were misinformed in any way. As per our terms and conditions, all sales are final, and we are unable to issue a refund on this purchase. We are more than happy to issue you one day Hop On Hop Off passes, which would have a 2 year validity. These passes are also transferrable to a friend or family member in the case that you are unable to use them yourself. Also, The letter from Barclays also spoke about me signing a contract that explained they offer no refunds. I didnt sign any contract, rather gave my credit card to a street vendor who only received one signature of sale, based on my recollection. When I initially complained, I even offered for a reduced refund. As we used the bus once in the morning. But the way they operate their business it was not a viable option after. And again, as in my complaint above, they left me and my family in a bind in a scary area because of misinformation. I think this is unacceptable and I should be refunded for the tour. This trip was purchased XX/XX/2021. Card ending in XXXX. Amount : {$350.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89142
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-01
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I DID A BARCLAY CREDIT CARD BALANCE TRANSFER ON XX/XX/2022 TO XXXX XXXX XXXX FOR {$5000.00}. BARCLAY CREDIT CARD CUSTOMER SERVICE STATED THAT IT WAS COMPLETED ON XX/XX/2022 AND XXXX XXXX XXXX HAD RECEIVED THE TRANSFER AMOUNT OF {$5000.00}. OKAY XXXX XXXX XXXX NEVER RECEIVED THE {$5000.00}. I BARCLAY CREDIT CARD CUSTOMER SERVICE AND TOLD THEM THAT XXXX XXXX XXXX DIDN'T RECEIVED THE FUND. I STATED THAT WE CAN CONTRACT XXXX XXXX XXXXXXXX TOGETHER SO THEY CAN SEE I AM TELLING THE TRUTH ABOUT XXXX XXXX XXXX NEVER RECEIVED THE {$5000.00} TRANSFER. BARCLAY TOLD ME THAT THEY ARE NOT GOING TO CANCEL THE BALANCE TRANSFER EVEN IF IT'S BEEN PAST THE 10 BUSINESS DAYS XXXX, WHICH IS THERE COMPANY POLICY. THEY STILL WANT ME TO PAY FOR FUNDS I NEVER IN MY XXXX XXXX XXXX ACCOUNT. RIDICULOUS WHY WOUNLD I DO THAT IT MAKES NO SENSE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21244
Submitted Via: Web
Date Sent: 2022-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-01
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 my third and final attempt to resolve this situation. On XX/XX/XXXX or XXXX of 2021 I was fraudulently charged an amount of XXXX by XXXX for a ticket purchase I didn't make. I have tried to get this charge removed without any resolution from my credit card company Barclays. This matter has been repeatedly closed with an unfavorable decision to me despite the facts that there is no evidence of a purchase by me. I have re-attached the letter sent to me by XXXX XXXX XXXX proving I nor any number associated with my account ever downloaded any application or tickets for purchase during the time in question from this vendor or any third party associated vendor. I ask that my case is reviewed by an independent auditor, aka someone other than XXXX XXXX of Barclays as she has no grasp of the situation and is bias to review the actual facts related to this transaction, as there is no way a competent unbias person in her position would possibly rule against me with the evidence at hand.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2022-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Barclays Bank, XXXX and XXXX are collaboratively and continually in violation of the federal Fair Credit Reporting Act ( FCRA ) for FALSE and FRIVOLOUS reporting and their continuous refusal to remove their FALSE AND FRIVOLOUS report which destroyed, causing damages, my otherwise Excellent credit stature. In XX/XX/XXXX, Barclays Bank inaccurately reported to XXXX and XXXX that my account was 30 days late for {$19.00}, when in reality it was merely a shortage of on-time remittance by {$4.00} and only because Barclays wrongfully refunded my credit balance without my request which caused the shortage and they further failed to notify me or send me a Notice of Short payment which if they did, could have easily been paid instantly on the same day. In lieu of a legal notification, Barclays levied a 111 % Late Fee of {$4.00} which increased the shortage due to {$9.00}. Because of Barclays false adverse reporting to the credit bureaus, even for such a minimal amount of {$4.00} ( or {$9.00} or {$19.00} ), my credit score plunged by XXXX points from XXXX ( EXCELLENT ) to XXXX ( Good ). The credit scoring system of XXXX and XXXX is defective. XXXX XXXX XXXX XXXX XXXX : the law does not care for small things ; the law does not bother with trifles. Barclays reporting to the CRAs of an insignificant dollar amount of {$4.00} ( or {$9.00} or {$19.00} ) is considered FRIVOLOUS by law and should not even have been reported to and by XXXX and XXXX in the first place. Something or some act which is de minimis in interest is one which does not rise to a level of sufficient importance to be dealt with judicially. Trifles, or matters of a few dollars or less. 121 F. 2d 829, 832. A crime which is de minimis may be dismissed under the Model Penal Code and similar statutes. Model Penal Code Section 2.12 Paying late is not even a crime. But Barclays Bank and XXXX XXXX XXXX are treating it like it is. Therefore, based on de minimis doctrine, this petty reporting ( even assuming it were accurate, which it is NOT ) should be deleted immediately. Please also take note that this incident happened during the time-period when the Global Coronavirus-19 pandemic was still ongoing, when the US government, being very considerate, initiated the FORGIVENESS of loans and imposed the EVICTION MORATORIUM and the FORECLOSURE MORATORIUM, when utility companies like the Gas Company posted OVERDUE BILLS FORGIVENESS on its website, when banks ( except Barclays Bank ) were not charging or were waiving late fees and interests for REAL late payments. Yet, why was Barclays the only contrarian bank that is doing the exact opposite of governmental actions and continuing to report a trivial and fake information that is in violation of the federal Fair Credit Reporting Act ( FCRA )? Background : In XXXX, My Wyndham Rewards Visa credit card issued by Barclays Bank was recommended to me by my Timeshare company, XXXX ( whose name is imprinted on the card, implying their affiliation ), and I only accepted it, so Worldmark could automatically charge my quarterly maintenance dues every XXXX day of XXXX, XXXX, XXXX, and XXXX, and in turn, my Bank was set up to AUTOPAY Barclays on the XXXX ( 2 days before the XXXX due date ) every XXXX, XXXX, XXXX and XXXX. Please take note, that due to my excellent credit standing, I am one of the very few owners who still pay the maintenance dues for years XXXX and XXXX even though the resorts were closed in XXXX and partially in XXXX, even though my scheduled vacations were cancelled and my unused points were forfeited due to the Covid-19 pandemic. I wonder why the XXXX XXXX XXXX XXXX did not impose a Maintenance Dues Moratorium in XXXX and XXXX when the resorts were closed and no maintenance dues were actually paid by the Timeshare companies like XXXX and XXXX XXXX ( my other timeshare ). Other owners just stopped paying by themselves during XXXX and XXXX, except me. All my accounts are set up on AUTOPAY, so I am never late with any company ( as you can verify from my credit reports for the past three decades ), including Barclays. In my first year with Barclays in XXXX, I had always overpaid and ended up with CREDIT BALANCES, and I never, never called them to ask for a refund of my credit balances. But for the first time on or about XX/XX/XXXX, without my request, Barclays suddenly refunded my credit balance from my May overpayment, which therefore caused my next payment to be short by {$4.00}. I was not aware of the refund or the resulting shortage because I never received my statement or any notice, by phone, email, or mail, which if they had communicated with me, I could have paid INSTANTLY way before it became overdue and assessed a 375 % late fees. Additionally, on top of the late fees & interests and the unnecessary ADVERSE REPORTING to the CRAs by virtue of the De Minimis doctrine, for a minute {$4.00}, again without notification, Barclays surreptitiously suspended my card and declined the charge of {$180.00} made by their supposed affiliate Wyndham on XXXX. In XX/XX/XXXX, I received a phone call followed by a first-time-ever dreaded collection letter from XXXX, attempting to collect the {$180.00} plus late fee and interests. Barclays Bank also managed to destroy my perfect payment history of two decades with XXXX. XXXX was also the only time I found out about the {$4.00} shortage and the very HARSH actions undertaken by Barclays bank in the year of the continuing Coronavirus pandemic. Instead of me paying {$180.00} directly to Wyndham on XXXX up to XXXX without penalty, the money was still automatically paid by my bank, as scheduled, to Barclays on XXXX, two days BEFORE the banks XXXX DUE DATE. In XXXX, their alleged 30 days late amount was still at {$9.00} ( $ XXXX late fee ) and NOT {$19.00}, as they erroneously reported to the CRAs ( which would have been the correct amount only if paid late - AFTER XXXX ). And I ended up with a huge CREDIT BALANCE of {$160.00} with Barclays Bank since XXXX which, IRONICALLY, they kept and used my money for three months ( up to XX/XX/XXXX ), despite my request ( this time ) in XXXX for a refund and they never paid me any interests, like the 375 % interests & fees they charged me for a mere {$4.00}. Yet, instead of reporting a ( {$160.00} ) CREDIT BALANCE on my credit reports in XXXX, XX/XX/XXXX, and XX/XX/XXXX, Barclays erroneously reported a XXXX balance, and they still failed to remove the erroneous {$19.00} - 30 days late negative report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91016
Submitted Via: Web
Date Sent: 2022-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid Barclays Bank who service my XXXX XXXX XXXX {$3700.00} on XX/XX/XXXX via an electronic payment from XXXX. I had XXXX fax them the electronic confirmation on XX/XX/XXXX since Barclays failed to apply the money to my account. I contacted Barclays-XXXX XXXX creditor via phone on XX/XX/XXXX and spent an hour on the phone and am being told it will be 1 to 2 billing cycles before they apply the payment they confirmed they received. I am being charged interest on a balance I do not owe. If the payment had been applied on the XXXX or XXXX this account would only have a balance of around {$400.00} dollars but instead has a balance being charged interest each day of over {$4000.00} dollars. I am being told they will contact me back about my case in 7-10 days. I should not have a case. They have confirmation of payment but they refuse to apply it in a timely manner and credit me the interest. I am being told its because they have millions of accounts they recently transferred from XXXX Bank. Which is not my problem they have been paid and are holding my money in limbo while they charge me additional fees and interest for a balance I do not owe them. I want my payment credited retroactive to the date they received it on XX/XX/XXXX and any interest credited as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I received my new XXXX XXXX Credit Card through Barclays Bank and activated the card on XX/XX/2022. During the activation process I was asked to confirm the phone numbers on file. One was correct, the other was not. When I stated " no '' to the incorrect phone number, I was transferred to an offshore contact center and she stated the information i provided her was incorrect ( yet it was the same information I provided through the automated system to activate my card ). She then had to transfer me to " security '' who also said the credit card number didn't match, even after reading it to her twice and repeating all my information twice. She then said I'd have to send in documents, in which case I told her to cancel the card. Which she said " I can't do '' because the information doesn't match, even though she could see i activated the card. Cancel this card per my request as I no longer want to do business with Barclays or XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60660
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A