Date Received: 2022-06-26
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have an XXXX credit card. They changed their bank from XXXX to Barclays. Yesterday night I requested for credit line increase and without my consent or informing me they pulled hard inquiry on my credit report. I spoke with two customer representatives yesterday night for an hour and they failed to help me with this. Today I spoke with a manager who also failed to help me with this. This is extremely unethical way of pulling hard inquiries. I do business with other credit card companies and they never pull hard inquiry when requesting credit line increase or if they need to they seek for my permission. Barclays did not take my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30606
Submitted Via: Web
Date Sent: 2022-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Please edit the prior. XXXX opened a credit card for me with Barclays without my permission. I didn't get the card. Someone then charged on XXXX days, XX/XX/XXXX and XX/XX/XXXX {$64.00} on the card. Barclays won't share the account number or the statement with me. They emailed me to pay the bill. I can't pay online without an account number, so I called them. That's when I learned that these don't match any purchase that I made with XXXX XXXX or XXXX, as my last order was on XX/XX/XXXX for {$40.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94117
Submitted Via: Web
Date Sent: 2022-06-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-25
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/2022, I filed a dispute with XXXX about an authorized user account of mine that had been closed and charged off, by Barclays Bank Delaware. However, despite me telling them that I was not legally responsible for this account, they did not remove it from my credit report. On XX/XX/2022, I filed another dispute, emphasizing to them that they were legally obligated to remove it from their credit report, but on XX/XX/2022, they returned the results of the dispute with the same description : " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. '' However, this is not my account. I am an authorized user. I have tried asking Barclays to remove myself as an authorized user, but they need the primary user 's permission to be able to remove myself as an authorized user. The primary user is unwilling to call them to do this, as they are currently in a lawsuit with Barclays. I have also tried telling XXXX on the phone about my situation and asking them why they can't remove this error on my report, but they keep telling me to file a dispute with them, but I have done that twice with no resolution. I will be disputing with XXXX once again today at XX/XX/2022 to see if I can have some type of resolution, but I doubt they will have a different response as before.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11355
Submitted Via: Web
Date Sent: 2022-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-25
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 had a credit card with XXXX XXXX for a XXXX XXXX. I charged a {$40.00} to this card number online. Gap instead charged a new account that they opened in my name with Barclay 's bank. Barclay did not send me the credit card and refuses to send me a card, and says that if I don't pay this bill ( without an account number ) by XX/XX/22, they will charge me a late fee and interest, and that I must give them my bank account ( checking ) account number, social security number, address, birth date, and everything they need to steal my identity. Barclays will not actually give me the account number so that I can pay my bill myself. XXXX will not move the charge to a different card. ( XXXX ) I never agreed to open a credit card with Barclays, ( XXXX ) I never charged anything to the Barclays card ( only to the XXXX card ), and ( XXXX ) both Barclays and XXXX refuse to give me the account number or to remove the {$40.00} unless fees are paid under a blank check. The XXXX account ends in XXXX XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94117
Submitted Via: Web
Date Sent: 2022-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: The general service and security reps have created big problems for me, without explanation. They are demanding a XXXX form from the IRS, and say they will not allow me to review or manage my account until they receive it. I have been locked out of my account and I have no way to see my transactions or even make a payment. Prior to this lock-out, I made {$17000.00} payment transfer from my XXXX XXXX XXXX account this past week. Barclay even called XXXX XXXX with me on the line to verify the account belongs to me and it was confirmed by XXXX XXXX. This week I have a $ XXXX credit from a return that is posted on the account, and the bank is not allowing me access to it. Their security department says it will be at least 30 days before they will consider giving me access to my funds. Management has called me today and stated they wish to have the hold removed because they verified my identity and that my use of the card is not fraud, but security is unavailable to them. They state they have no direct access to the security department and have to wait on hold to fix the issue. I have been a loyal customer for many years with this company, have excellent credit history and a high credit score. I am paying on time, and have had not a single delinquency on this account or any other credit card. I need immediate access to my account management and funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
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: To Whom it May Concern ; Im a client of Barclays Bank Delaware ( the Bank ). I believe the Bank has violated several Regulation E citations as it relates to transaction dispute process, as well as the Bank engages in unfair, deceptive, or abusive acts and practices ( UDAAP ) for their credit card add on products. On XX/XX/2022, we purchased a five day, all included vacation package through XXXX XXXX XXXX XXXX ) company. This was not the first time we are doing it. We chose the XXXX XXXX as we have stayed there previously and liked it. The marketing on XXXX website stated that this is exclusive resort recently renovated, and the beautiful pictures confirmed their statement. The trip cost was {$3900.00}. When we arrived, things looked a bit different. First, resort looked nothing like it was presented in the pictures on XXXX web site, but that was not the worst thing. We were placed in the room which was not what we chose when we purchased the trip, the Manager stated that room is changed for the tech difficulties with A/C system ( ok things happen ). So, we unpacked and went to grab something to eat, time is around XXXX Local, to our surprise only working food stand had burgers, ( just a bun and a beef patties ) and drinking water, again not a big deal, at XXXX restaurants will be open for dinner. We decided to get back to the room change for the beach. After entering the room, which smelled unpleasant with scent of mildew we found that all our clothes and other items are infested with bugs, I start filming it, we do not know what they are and what they do but to me it looked like lice or perhaps sand fleas. I told my wife to start packing and cleaning and I, myself went to the front desk to talk to admin and XXXX representative. Admin on duty right away offered to change the room to a different one after reviewing the video and stating that it is probably spiders! I went to inspect the room but come back because room walls and ceiling was covered in mildew ( see attached pictures ). Once again, we were offered another unit, which was sort of OK. XXXX rep was not on premises and impossible to reach over the phone or email. For dinner, food quality and variety were almost nonexistent. Three different courses of main dish, vegetables, or fruit nowhere to be found it was really uphauling. All my statements have video or digital picture proof and provided upon request, also supporting evidence can be requested from the couple we befriended during the stay from XXXX, they were shocked by the service and quality or lack of it. Next day we contacted XXXX rep and asked to move us to a different resort or send us home, the answer was that it is impossible because all resorts they manage are fully booked and additional flights are not available. We tried to book the return tickets ourselves but were unable to acquire any. So, we were stranded to the end. Now lets move to the beaches. Beach access is nonexistent, rocks and black dirty sand, when we were visiting previously approximately 7-8 years ago this resort had a pretty nice beach with beach chairs and nice umbrellas to protect from a sun, this time only couple standing umbrellas and some broken chairs which people are reserving XXXX oclock in a morning, for approximately XXXX people in a resort I figured about 200-300 chairs and about 50 umbrellas, clearly the resort is overcrowded and over booked. So that left us all at the mercy of the pool which hygienic conditions were very questionable. I managed to meet with the resort managed and discuss the issues, he stated that resort is struggling financially and not because of the COVID, but mostly of a bad management. I was offered a voucher to the restaurant as compensation, ( Keep in mind, it is ALL INCLUSSIVE resort ). On the day 3 of the stay during the dinner all resort plunged into complete darkness power was for some reason cut down, no warnings or explanation was given for hours. Bars in a resort does not even have non-disposable cups for coffee, drinks are served eider in plastic cups or mismatched glasses cleanliness of which is very questionable This is just a short summary of our horrible experience. I think that paying a $ XXXX night ( if you count, leaving the business which I manage and our two dogs with a sitter it comes to that $ XXXX {$1200.00} a night ) we were entitled to some comfort. Upon return home I contacted XXXX, the vendor of our vacation and requested our money back, but my request was denied. So, I decided to make a claim to my Barclays XXXX XXXXXXXX card. We had purchased additional Trip insurance, but they explained that this complaint does not fall under parameters of this insurance ( sounds like a sketchy insurance and useless ), clearly the Bank is engaging in a form of a XXXX by selling this add on product with no benefits of travel. Finally, they agree to launch an investigation on XX/XX/2022. The Bank offered a provisional credit for the amount charged {$3900.00}. During the time till XX/XX/2022, no one contacted me regarding the issue in any way, when I called in to inquire in XXXX, answer was case is still under investigation. I did not receive any communication indicating the Bank received my claim and has started the investigation as Regulation E requires. On XX/XX/2022, I was checking my statement for payment and was surprised that charge was reposted without any explanation. I did not receive any communication as it relates to the outcome of the investigation. I did not receive any communication as it relates to retracting the provisional credit as Regulation E requires. Further, I did not receive the Bank request for an extension of the investigation beyond the allowable time frame per Regulation E. So, I called back and was offered to reopen the case but first I must pay the bill. Is the purpose of the credit card or banking institution is to protect consumer from fraudulent charges and help me deal with a vendor that is not being cooperative? When I pay for a product or service and I do not get it as it described, charge should not be applied. I am not liable for faulty product and or service in the end it is my money and I decide to pay or not, the other party can take the legal action to resolve their issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60181
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was notified with a phone call from XXXX bank about a debt for a credit card for XXXX dollars on XX/XX/22 and I have never had a credit card from them I checked my credit report on XX/XX/22 and seen where they have reported me in collection for the money I told them that they gave the card to someone over the internet and it wasnt me my house at XXXX XXXX XXXX XXXX Mississippi XXXX was broken in a few years back and I have been having problems ever since with people opening accounts in my name they stole all my personal checks and information so they have my address and social security number and all and it seems like ever year I have to fight to keep my name and credit current
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39212
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX 2022 someone ran my credit through Barclays Bank delware. I never was in delware and I didnt authorize this credit check. This is complete fraud!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 103XX
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I changed my billing address to my new home and since, this company has tormented my life. For the past 5 weeks, this company has declined purchases, made me go through more than 20 security verifications, theyve embarrassed me at multiple stores by declining purchases after they confirm on the phone that my card is clear to use. I have had to call in more than 30 times to clear my name and the company continues to give me problems. My credit score has remained very good, the account has been kept in excellent standing, and Ive had this card for more then 5 years. The representatives have challenged my purchases saying you dont normally spend this much, and at times they have mocked me. In the past month of problems, I have been promised six times that leadership/management would open a case and call me to help resolve but they have only called me once this past week and apologized, but since that call, they have entirely blocked access to my account stating its a security issue. This company has taken advantage of my good credit and time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received a new Barclays XXXX XXXX credit card which would be be to be activated on XX/XX/2022. I closed my XXXX XXXX XXXX credit card on XX/XX/2022. I should have NEVER received this new Barclays credit card for use at XXXX XXXX because I closed my old credit card on XX/XX/2022. So this new Barclays credit card needs to be cancelled, and Barclays nor XXXX are able to assist in cancelling this credit card. I do not want this line of credit opened as it never should have been issued.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53154
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A