Date Received: 2022-06-13
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Yes my Barclays credit card has been given to me XX/XX/2022 I used the card account and everytime the alert for purchases popped up I clicked I authorized them then all of the sudden they said for me to call because they thought fraud on the account even though I authorized it like I was supposed to do i I called XXXX times and was told I could use it that it was fixed now I still can't use it this is ridiculous they have done it before to me and I couldn't use the account for over XXXX months I want this fixed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022, I manually paid my credit card balance on-line. The payment was also auto -paid on the same date, resulting in a double payment of the same amount ( {$7900.00} ). Subsequently, when I realized what had happened I assumed that the over-payment would be used to cover my next purchases made with my credit card. This was not done, as I realized in the next billing cycle when my balance was unaffected by the residual money. I called the company and informed them, and was told by their customer service representative that the amount of {$7900.00} would be refunded back to my bank account in 2-3 business days. I was given the case # of XXXX. I waited two weeks of no refund being given and then called the credit card company again. They told me that the case was " in process '' and could not tell me how long it would take to be resolved. They told me to call back in a week if there was no resolution. After 2 weeks of still no refund, I called again on XX/XX/XXXX, was told that I needed to speak to someone in the dispute department which was closed, and was told to call the next day during business hours. The next day, I spoke to XXXX XXXX XXXX, XXXX # XXXX, who assured me repeatedly that she would e-mail me a response to the dispute in 24-48 hours from then. That never happened. On XXXX XXXX, I again called the credit card company and requested to speak to a supervisor. The supervisor, who told me only her first name, XXXX, said that disputes are not addressed until up to two billing cycles from the time that the case was opened. This seemed ridiculous to me for something that was obvious ; the double payment appears on my billing statement as well as a withdrawal from the company from my checking account. I asked XXXX to escalate the issue and let me speak to someone higher ranking, and she hung up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75229
Submitted Via: Web
Date Sent: 2022-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I hired XXXX XXXX XXXX XXXX because I couldnt catch up my debit so far so good until it came to Barclays XXXX XXXX from XXXX they made a settlement offer I approved it and then received a document from a law firm referring to me as the defendant and they may realse a judgment and lein i have never been served or taken to court and have no judgment or lein that I can find any records of the document will falsely incriminate me so they can sue Ive tried to contact centery many times by email and phone and they will not even discuss the subject the phone number the law firm is a automated payment line the document is completely false I have more documents than I can upload let me know if you need more look at lines 6 and 7 and signature page all false And no one will return my calls on this matter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78216
Submitted Via: Web
Date Sent: 2022-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: A few months ago XXXX XXXX contacted me via email to let me know they would no longer be servicing the XXXX XXXX credit card. They offered to transfer my account to Barclays and I said no. There was a question of why and I replied I would plan to use a different card if I ever wanted to make purchases at XXXX XXXX. On XX/XX/2022 I received a credit card from Barclays for my XXXX XXXX purchases. When I called the company to tell them I did not want the credit card and had not requested the card and they went against what I told XXXX. They said they had no record of the account. They said they could not help me until XX/XX/2022 as that was when the transfer would occur. I dont believe its my job to have to follow up on this when I specifically told them I didnt want the card in the first place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64114
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On or about XXXX, Barclays Bank inaccurately reported to XXXX and XXXX that my account was 30 days late in the amount of {$19.00}, when in reality it was merely a shortage of remittance by {$4.00} and only because Barclays failed to send me a Notice of Short payment which if they did, I could have easily paid instantly. But in lieu of a legal notification, XXXX added a 111 % Late Fee of {$4.00} and increased the amount due to {$9.00}. In XXXX, the Barclays credit card was recommended by my XXXX XXXX XXXX ( whose logo is imprinted on the card, as if they were affiliated ), and I only accepted it so XXXX can automatically charge my quarterly maintenance dues every XXXX day of XXXX, XXXX, XXXX, and XXXX, and my Bank is set up to AUTOPAY Barclays on the XXXX ( 2 days before the due date ) every XXXX, XXXX, XXXX and XXXX. All my accounts are set up on AUTOPAY OR BILLPAY, so I am never late with any company ( as you can verify from my credit report for the past 20 years ), including Barclays. In my first year with Barclays, I always overpaid and ended up with a CREDIT BALANCE, and I never, never called them up to ask for a refund of my small credit balances. But for the first time on or about XX/XX/XXXX, without my request, Barclays suddenly refunded my credit balance from my XXXX overpayment, which therefore caused my payment to be short by {$4.00}. It is Barclays fault. Barclays never sent me a single Notice of Short payment of {$4.00}, never sent me a collection letter, as they are legally required to do so, so I could have paid INSTANTLY way before it became overdue and assessed 200 % late fee, but on top of the late fee & interests and the NEGATIVE REPORTING, they secretly SUSPENDED my account and declined the charge made by Wyndham on XXXX, again without notifying me, so that I could have paid Wyndham my maintenance due for XX/XX/XXXX DIRECTLY. So instead of paying {$180.00} directly to Wyndham for XXXX dues, the money was still paid by my bank automatically to Barclays on XXXX, two days BEFORE the XXXX DUE DATE, which at the time, the overdue amount was only {$9.00} and NOT {$19.00}, as they reported to the Bureaus. And I ended up with a huge CREDIT BALANCE of {$160.00} since XXXX. Yet, instead of reporting ( {$160.00} ) CREDIT BALANCE on my credit report, Barclays reported a XXXX balance, and they still did not remove the {$19.00} - 30 days late. Meanwhile, in XXXX, I received a collection letter from XXXX which was when I found out that the {$180.00} should have been paid to XXXX instead of to Barclays, and when I called Barclays in XXXX to request for the REFUND OF MY CREDIT BALANCE ( the call was recorded ), they only refunded my {$160.00} in XX/XX/XXXX, AFTER HOLDING MY MONEY FOR MORE THAN 75 DAYS, AND NOT PAYING ME ANY LEGAL INTERESTS ( when they are charging me {$15.00} interests for a measly {$4.00}. Because of Barclays FAILURE To Notify me of the suspension of my account due to a miniscule {$4.00}, I had to pay late fees and interests to XXXX on top of the {$180.00} even though the resorts were closed for 1-1/2 years due to Covid-19. Because of Barclays false reporting to the credit bureaus re my account, my credit score plunged by XXXX points from XXXX ( EXCELLENT ) to XXXX ( XXXX ).
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: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Original complaint # XXXX In the original complaint I asked for one thing : Remove or explain an incorrect address. The response I received : " In your correspondence, you advised us that we are reporting an incorrect address to the credit reporting agencies. Unfortunately, I can not substantiate this claim. '' So where did the address come from, and why couldn't it be removed? If there was no supporting documentation to substantiate the address, wouldn't an easy fix to be remove it? Instead of hours of time and $ $ spent by Barclay, their fraud department, XXXX XXXX, CFPB, and myself ( although I'm not on the clock and getting paid for this exercise in futility ), the address was never substantiated. When did I question the validity of the account? That was thoroughly researched but was never questioned to my knowledge. The false statements or downright lies on behalf of Barclay by your representatives provided in the original complaint were just fyi. In case anyone cared how the employees talk to ( current, former, or future ) customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Theres a hard inquiry on my XXXX report for a credit card I never applied for on XX/XX/2022. When I called the lender they couldnt help me because I dont have any other information other than what is on my credit report. And XXXX said I had to report it with the Federal trade commission before filing dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98166
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: To Whom It May Concern, RE : Barclays XXXX XXXX XXXX. During the Covid-19 Pandemic in XXXX, I personally experienced Financial Hardships, loss of income, and loss of employment or financial opportunities due to the Covid-19 Pandemic and the past economic situation. Never in 40 plus years of credit use, did I ever have a late payment noted on my Credit Reports. My major source of income was from the Pandemic Unemployment ( PUA ) Insurance which I was receiving since late XXXX of XXXX, this PUA Insurance was eventually DENIED and cut off in XXXX of XXXX, due to a mix-up of my Employment Job status with my part-time and on-call jobs in addition to my Full-Time Self Employment during the XXXX year. After contesting and appealing my case to the Hawaii State Pandemic Unemployment Appeals and customer relations with past W-2 tax documentation and 1099 tax forms with other documents, my situation was only partially resolved in XXXX of the Next Year XXXX and in later XXXX of XXXX. This left me with no main source of income to cover basic living expenses and bills since XXXX of the XXXX COVID-19 year. I asked each of my credit card companies for an accommodation in XXXX during that time of extreme financial hardship including Barclays XXXX XXXX XXXX. All of them provided an Accommodation except for Barclays XXXX XXXX XXXX. I contacted them and instead of providing an accommodation, they proceeded to take out 2 unauthorized minimum payments from my bank account without notice and therefore the payments had bounced due to fraud detection or lack of funds in the bank accounts during the time. Upon calling Barclays customer service after receiving a letter in Late XXXX of XXXX, I noticed a late mark on my Credit report for early XX/XX/XXXX. The payment was not late ( They immediately took out 3 payments from checking accounts ). They told me that there was absolutely nothing I can do about the Late Payment mark on my Credit Reports and gave me no other options even if I asked for an accommodation due to losses from the pandemic. I did not know my options or that I could write a complaint to FRCA until finding out from a friend. During this time in XXXX and XXXX of XXXX there were no phone calls to me or letters, I received a letter later in the month ( after they already put a Late Payment on my Credit Reports ) stating that my ACH payment had bounced ( due to unauthorized deduction ). Furthermore, they took amounts out from my bank accounts listed in their system without authorization. This 1 Late Payment reported in my Credit Report has affected my ability to refinance the Loan and Credit card balances that accumulated during the Covid-19 pandemic in XXXX My Credit Scores went from an Average of XXXX then down to a XXXX after that 1 late payment reported by Barclays XXXX XXXX. Attached are the following : 1 ) Unemployment Denial of Payment Letters and the Final letters of approval. 2 ) Credit Report after the XXXX Late notice was XXXX increased back to XXXX in XX/XX/XXXX Barclays posted a 30 day late without any warning or accommodation. The only letter received from Barclays ( sent later in XXXX ) 3 ) Barclays XXXX and XXXX Statement in XXXX A {$40.00} partial payment was applied. I humbly ask for your assistance to have my Credit Report with the 1-Late Payment fairly removed. Having a Late Payment mark on my Credit Report will affect me for 7 years and it will affect my ability to find XXXX XXXX housing or Rentals or even another job for the future as I am near XXXXXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: An account was opened with Barclays fraudulently, and I opened an investigation with the vendor. I received a confirmation letter from Barclays on XXXX XX/XX/2022 and it stated that the fraudulent account would be removed from my credit report within 30 days ; and it was not. Two months later it was still showing on my credit report. I reached out to Barclays about the situation, I was transferred between numerous departments without resolution. A representative informed me that they were unable to update the credit report. After receiving the fraud confirmation letter ; 3 days later I received a collections letter from barclays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Barclays Bank of Delaware process an application online for credit from a fraudulent unauthorize source that was computer based. I have repeatedly ask to have their credit inquiry removed from my XXXX account. They refuse. This fraudulent inquiry harms my reputation and my credit reputation. I have worked with all three credit agencies to remove recent fraudulent acts to open credit or checkingXXXX XXXX XXXX, XXXX XXXX and XXXX have all in the past two years has attempts by third parties. For the most part they have all been removed, but I now have to live with all accounts frozen and pay to open and close them. The recent Barclays attempt got through because in my grief for my wife, I forgot to freeze XXXX again after I got a loan at my local security credit in XXXX. XXXX refuses to close and remove all information from their system concern their fraudulent access to my records. Freeze and thaw should be free.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79065
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A