Date Received: 2022-06-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Disputed charges were not credited back to account in a reasonable amount of time. Fraudulent charge was removed but was added back to the credit card. Customer service unwilling to remove the charge. Charge was originally made on XX/XX/2022, " XXXX *XXXX XXXX XXXX XXXX XXXX FL '' Charge was credited back to the account on XX/XX/2022 Charge was billed back to the account on XX/XX/2022 Called credit card company multiple times over the last three months to resolve which only resulted in being transferred to different departments with no resolution
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 871XX
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Barclay 's Bank Delaware XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX has violated my rights. 15 U.S.C.1681 section 602 A. States that I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account with out my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) States any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22903
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: barclays bank fraudulently opened a credit card in my name, when i requested them remove it, and contacted XXXX they responded that they would correct it, but all they did was close the account. i have been alerted by my monitoring service about the opening of a new account it dropped my score XXXX pts, now closing it cost me another XXXX pts, ( see attachments ) can tiu please help me. i want it REMOVED, not opened and closed.please
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2022, paid the remaining balance on my {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX by Barclay, and called their customer service to request that the account be closed. Barclay initially did not want to close the account, but instead tried to sell me other services. It is only after insisting that I was told that the account was closed. Surprisingly, I continued to receive emails each month about an upcoming statement and charges due the following month, and each time I called Barclay to remind them that I paid the remaining balance, destroyed the credit card, and requested that the account be closed. Last week, I receive a notification about a delinquent account, and when I checked I noticed that Barclay had taken us to collection for XXXX dollar ( {$4.00} ) and that it has caused both my credit score and my wife credit score to decrease by XXXX points. Barclay never notified us of any balance due and again when I requested to close the account, the balance was paid in full. I have attached the latest email from Barclay stating that I have a minimum payment of of {$29.00} due on XX/XX/XXXX as proof of this nonsense.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55448
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: on XX/XX/2022 made a payment of {$170.00} to the credit card company the same payments been made every month for 5 years.Called them on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX nothing no explanation were the money went i have a confirmation number and a trace number from my bank that said they recived it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Back in XXXX a charge was placed on my Barclay 's forward XXXX for {$650.00} from Home Depot.Com this is a unknown charge I have not authorized, nor have I given any such individuals use of my credit card. Upon receiving my billing statement I immediately called Barclay 's customer service number to notify them of this fraudulent charge and immediately cancel my account, and then open up a new account with a different card number. I was assured by Barclay 's customer service I was protected from fraud on my card with their Zero liability on unauthorized, unknown charges to the cardholder.A conditional credit was issued for that amount mentioned above, until it became Final and closed by Barclay's.This letter was dated XXXX XXXX stating, After conducting our investigation you are not responsible for the fraudulent activity on your account.Then received a letter from Barclay 's dated XXXX XXXX that is was reversed and the charges will be billed back to XXXX appealed their decision in writing, then appealed their denial once again, have sent numerous letters to XXXX 's even XXXX a letter to the office of the President of the company as well. XXXX XXXX XXXX XXXX XXXX # XXXX, response received a few days ago, after two attempts, NO response from Barclay's.Also did a dispute via telephone with XXXX Conf # XXXX XXXX XXXXAlso placed fraud alert with XXXX as well as a online dispute with XXXX with the help of XXXX XXXX.com they noted the dispute meets FCRA only listed on XXXX XXXX side of credit report.XXXX is now reporting me past due on this fraudulent charges that Barclay 's has reported.It seems that somebody hacked into my phone with and somehow got this account number. I also submitted a complaint to XXXX at The Federal Trade Commission on XX/XX/2022 Complaint # XXXX. Please assist me my Credit score is over XXXX and this Company refuses to comply with their policies and Federal consumer protection laws.I can furnish what ever you need from me upon request, I would gladly forward them via email.Please I have endured some much stress from a fraudulent purchase done by a cyber hacker. Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, Vermont XXXX Home Phone- ( XXXX ) XXXX Voice mail only-NO Texts
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 057XX
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
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 there were fraudulent charges made on my account for a total of {$350.00}. I notified XXXX XXXX that these charges were fraudulent and they initially removed them from my account, closed that account, and began an investigation. However, when they opened a new account they transferred the fraudulent charges to the new account. Then, in a series of phone calls between XX/XX/XXXX and XX/XX/XXXX ( and some prior phone calls ), some lasting up to two hours, I was told many different conflicting. One representative alleged that those charges were charges that I had spent on the new account, which was demonstrably untrue. I had another representative tell me that that the transfer of the charges was a mistake on the part of XXXX XXXX. Finally, I had a third representative tell me that it was a part of XXXX XXXX XXXXs investigation process, which seems unlikely as I have never had charges be added back to an account while an investigation was pending. Furthermore, I never received notification that an investigation had started within the legally required 30 day period.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61801
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I saw advertising for a " XXXX XXXX '' very frequently on XXXX. the bank is Barclays in Delaware. My appliction number is XXXX I believe this bank or its card services department/affiliate ( Luxury Card ) is involved in unfair and deceptive advertising. I finally decided to apply. i believe i am well qualified. my XXXX stands at 790 plus and i am a multiple mortgage holder with loans close to {$2.00} XXXX at rates under 3 percent and terms of 30 year fixed. so far, i have not recievd the card. i have received letters and phone calls asking for additional information. the bank/its affiliate is asking me for a completed 4506T IRS form in order to continue processing my application. I informed them that i had filed for an extension for 2021 taxes and sent them my W2 form. they keep asking for the same document. i feel that this request is unusual and unfair. this requirement was never brought up when i was doing the phone application and was not mentioned anywhere. i am concerned about the following scenarios : 1. this is a fraudulent advertising for getting consumers ' information for illegal or shady purposes. 2. this is discrimination. 3.if none of the above, then this process of obtaining their credit card is extremey restrictive and probably more than 90 to 95 percent of applicants would not qualify. if this is the case, then why advertise so much? and not communicating to potential applicants the fact that form 4506T IRS form will be required in addition to other requirements for obtainig their card. it is not fair for consumers to share their private and sensitive information with this institution and lose points on thier XXXX score if they are not going to get approved. Please help me figure what i have gotten myself involved in and how to resolve it. thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
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 also see complaint ID XXXX of the {$200.00} cash advance charges ( with interest fees ) that was referenced and seemingly resolved with that complaint which closed in XX/XX/XXXX has re-appeared, with interest, to my XX/XX/XXXX statement. ** On XX/XX/XXXX, I noticed two suspicious charges to my Barclaycard CashForward Mastercard, both with a transaction date of XX/XX/XXXX, so I contacted Barclays ( XXXX ) to dispute the charges and to notify them of unauthorized activity on my account. The unauthorized charges were for two cash advances in the amount of {$200.00} each taken out and charged toward a XXXX XXXX XXXX. There were also two {$10.00} cash advance fees associated with the unauthorized transactions that I was disputing ... a total of {$420.00} worth of unauthorized transactions. The representative took my information, issued a new replacement credit card number, opened a case with Barclays fraud department ( Case ID : XXXX ) and placed a provisional credit back on my account. When I next checked my online account information, there was only a provisional credit of {$210.00} ( half of the total unauthorized transactions ) so I called back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX before finally getting a representative to place a provisional credit for the remaining unauthorized {$210.00} on my account ( Case ID : XXXX ). On XX/XX/XXXX I received an email from XXXX ( XXXX ) stating that on XX/XX/XXXX, XXXX XXXX XXXX ( a company that I have purchased from in the past ) became aware of a potential data security incident and partnered with XXXX to do independent computer forensics as part of an internal investigation. On XX/XX/XXXX, the investigation determined that payment card information was obtained without authorization on XX/XX/XXXX, and on XX/XX/XXXX, the investigation determined that my payment card information including my name, address, payment card number, expiration date, and payment card security code may have been obtained. This information, coinciding with the unauthorized transactions on my Barclaycard Mastercard account on XX/XX/XXXX, leads me to believe that my card information was indeed obtained in the XXXX XXXX data breach and then used to take out the cash advances for XXXX XXXX XXXX On XX/XX/XXXX, I received a letter from Barclays stating that their fraud investigation was complete and they found the disputed activity to be valid, thus they were reversing the provisional credit ( s ) and placing the amount owed back on the account. They also attached an additional {$5.00} interest charge on the cash advances to my account. On XX/XX/XXXX, I called the XXXX number on the letter and spoke with a representative in Barclays fraud department who stated that their investigation showed that my card, which was never out of my possession, had to have been present at the time of the cash advances taken out with XXXX XXXX XXXX. The representative told me that my only recourse was to contact XXXX XXXX XXXX at XXXX and dispute the charge with XXXX XXXX. When I called the XXXX XXXX number the representative stated that I would have to contact the fraud department but there was no telephone number for that department and I would need to send an email to XXXX. My efforts to get the fraudulent charges and associated fees was finally removed and credited back to my account after filing a complaint with the CFPB ( complaint id XXXX ) and a representative with the office of the president contacted me, took my information and within a short period of time, resolved the problem. Upon checking my XX/XX/XXXX statement, however, a {$200.00} cash advance charge re-appears with, again, a transaction date of XX/XX/XXXX ( XXXX ) and posting to my account on XX/XX/XXXX. In addition to the {$200.00} cash forward charge is a {$7.00} interest charge. I reiterate, again, that I have never taken out a cash advance, and the XX/XX/XXXX transaction date can not be a coincidence. This is a second strike in my book against Barclays, as I thought that this had finally been resolved in XXXX after my initial complaint and its ( seeming ) resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
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: This all began in XX/XX/XXXX. My husband went to XXXX XXXX. They referred him to another of their offices. They scheduled my husband for a root canal. That was supposed to happen on XX/XX/XXXX. The clerk in the dentist office charged him for the office visit & the copay & then they did NOT even see him. I disputed it with XXXX XXXX. They assured me they issued a full refund. That refund has never been processed. After the 15 day waiting period that Barclays requires you to wait for a dispute, I filed a chargeback. Apparently Barclays did not read the complaint or process it within the allowed time for disputes. Today, XX/XX/XXXX, they claim the charge is too old & can not be corrected. Its not my fault they did not properly process the dispute. The merchant ; XXXX XXXX claimed they refunded it. Barclays says they cant refund it if the merchant is doing it. Unfortunately its been 6 months since they promised a refund. Barclays has failed to properly credit my account. I sent them printouts from the BBB complaint that clearly shows the merchant says they were going to refund us. The bank should be able to see that the charge of {$79.00} was NEVER refunded as promised. I contacted Barclays again & was told they closed the case because too much time has elapsed & I did not send them the proof. Ive sent it to them multiple times, they just fail to process it. I have requested a manager to call me back, multiple times but they never do. Today, they submitted another request. They say give them 7-10 days! Im tired of the run around. The company promised a refund. I have proof of it. Unfortunately, Barclays has failed to process my dispute in a timely manner. All I want is for them to credit my account as promised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33755
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A