Date Received: 2022-05-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: There is an account with Barclay Bank of Delaware that was open in my name without my permission. I have tried to resolve the account with the creditor directly but has not had a fair resolution
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60419
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I made a purchase of a gift card reload of {$1900.00} with my Barclaycard Rewards Mastercard. I then noticed a cash advance fee was charged to my account. This transaction was not a cash advance and was incorrectly coded as one. In addition, I had previously set my cash advance limit to {$100.00} when I originally opened the card in XX/XX/XXXX. Therefore, if this transaction was going to code as a cash advance, it should have been declined and not gone through in the first place. I tried to resolve this with Barclaycard ( spoke with a representative named XXXX on XX/XX/XXXX ) and while they finally refunded the fee after much debate, they were unable to do anything to correct the incorrectly coded transaction. I was specifically told " this transaction was not declined based on your cash advance limit because it was a manual transaction and was not a cash advance '', which contradicts everything else I was told.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regard to the incorrect items on my credit reports, it has been well over 30 days and I haven't received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I mailed an escrow check for {$16000.00} on XX/XX/XXXX. I called on XX/XX/XXXX because the title company said the check had been cashed and it still had not posted to my account. I was told I had to wait XXXX days for it to post. I called again on XX/XX/XXXX and spoke to XXXX. She said she could create a Complaint Number ( XXXX ) but didn't do anything about the fact that my payment was due that same day. I called again on XX/XX/XXXX and spoke to XXXX. She created an Investigation Number ( XXXX ). At this point I had been charged a late fee and additional interest charges for the payment which was due on XX/XX/XXXX. XXXX said I needed to may a payment which I refused to do since I had sent a large check well in advance of the payment due date. She connected me to a manager upon my request. I talked to the manager XXXX, and explained that I refused to pay extra when it is the companys fault the payment is missing. I was told she could waive the interest and late fee once " to give more time to investigate the missing payment. '' I also sent her an email with a picture of the check I had sent to XXXX with the subject line " XXXX. '' As soon as I was off the call with XXXX, also on XX/XX/XXXX, I requested copy of the cashed check from the title company. I called again on XX/XX/XXXX for update on the investigation. I was told it was " still in processing '' and had not eve been assigned yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98671
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX I Spoke With XXXX Different " Relationship '' Agents, Along With A Manager For " Barclay '' To Get An Explanation As To WHY Are My " Purchases '' INFLATED AND CHARGED INTEREST On Page Five Of The Last Two Billing Statements. 1. Page One Lists XXXX For Purchases, And XXXX For Cash Advances : CORRECT. While Page Five Has A CALCULATION Of XXXX??? For The Purchases. The Actual Amount Though Is XXXX!!!! ( Please See Attachments Dated XX/XX/XXXX - XX/XX/XXXX ). Second Agent Stated That The Additional Amount Is " From XXXX. '' RETRO BILLING. REALLY??? First Agent Just Ended The Call, And So Did A Manager. ( SUM " RELATIONS '' ). 2. For The Billing Period XX/XX/XXXX - XX/XX/XXXX, Page One Gives XXXX For Purchases, And Cash Advances Of XXXX : CORRECT. BUT, Page Five Lists A CALCULATION Of XXXX For Purchases When The Actual Amount Is XXXX. WOW! I'VE BEEN CHARGED INTEREST FOR INFLATED PURCHASE AMOUNTS. ON AT LEAST TWO BILLING STATEMENTS ( POSSIBLY MORE ). MY PAYMENTS ALWAYS EXCEED THE MINIMUM DUE BY HUNDREDS YET MY PAYMENTS NEVER SEEM TO BE REFLECTED IN MY BALANCE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have sent Barclay Bank three certified letters ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all in XXXX ) that I disputed this account on my credit report. I have requested an investigation of this account and of any proof that this account is mine but they have ignored my letters and phone calls. More importantly they have refuse to include a posting of a Notice of Dispute to my XXXX credit report which is a requirement that needs to be placed no later than 30 days after being notified of the dispute. As of XX/XX/XXXX that has still not been done. Per the FCRA : FCRA Section 623 ( b ) ( 1 ) provides than when a furnisher receives a notice of dispute regarding the completeness or accuracy of reported information from a CRA, the furnisher must conduct a reasonable investigation and review all relevant information provided by the CRA. Duty to Provide Notice of Dispute. If a consumer disputes the completeness or accuracy of furnished information, the furnisher must provide a notice of the dispute to the CRAs when furnishing the disputed information. The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default. Timing of Notice. The financial institution must provide the notice to the customer no later than 30 days after furnishing the negative information to a CRA. Substantial Penalties for FCRA Violations Not complying with the FCRA can subject the furnisher to statutory damages of $ XXXX {$1000.00} per violation. The FCRA states that plaintiffs can also win punitive damages and recover attorney fees, these types of violations make appealing class-action targets. Attached of my current ( XX/XX/XXXX ) XXXX credit report of the Barclay account. As you can see there is no Notice of Dispute even after seven months of disputing this account to the furnisher, Barclay Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX last reported on XX/XX/XXXX {$2000.00} XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. Barclays bank - opened XX/XX/XXXX $ XXXX reported it to the credit burrows as fraud XXXX XXXX - last reported on XXXX XXXX {$450.00} opened XX/XX/XXXX i opened the card but the card was stolen didnt notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud. XXXX XXXX XXXX XXXX, XXXX {$7100.00} XX/XX/XXXX opened this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX {$7100.00} XX/XX/XXXX opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX " XXXX XXXX '' last reported XX/XX/XXXX {$550.00} opened XX/XX/XXXX this account i never opened and i called up the credit burrow, and XXXX and asked them to take it off and told and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX " XXXX XXXX XXXX last reported XX/XX/XXXX {$410.00} opened XX/XX/XXXX i opened the card but the card was stolen didn't notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11223
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX XXXX XXXX BRCLYSBANKDE XXXX XXXX XX/XX/22 RE. We have disputed this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07093
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2022, there was fraudulent activity on my Barclays credit card in the amount of {$500.00} from XXXX XXXX, XXXX location XXXX CA XXXX. It was an unauthorized purchase. I immediately contacted Barclays card customer service and requested that my credit card be canceled due to fraudulent activity. I received a new credit card and the amount was credited back, however, I received a letter stating the following : " We issued a provisional credit to your account for the full disputed amount on XX/XX/2022 while we investigated this activity. We've completed the investigation and found that the activity is valid. Therefore, the provisional credit has been reversed and the amount owed has been placed back on your account. '' I called Barclays fraud department. They said that the investigation is completed, and they have received documents from the merchant ( XXXX XXXX ), which stated this transaction is valid. I have contacted XXXX XXXX, and they stated that this was fraudulent activity and they would share this information with Barclays and the police if they would like to confirm it. XXXX XXXX said they can provide the IP address and location of the person who did initiate this transaction, the name, and location where the money was received, and the name of the person who received the money : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. They give me two case numbers ( XXXX # XXXX and XXXX # XXXX ) and they said Barclays can call on ph. # XXXX or send an e-mail : to XXXX and they will be provided the full information on this fraud and they know I have nothing to do with it. Also, XXXX XXXX said Barclays never contacted them and they did not send to Barclays any information about this matter. I called Barclays and they told me to send evidence if I have any and they promised to investigate this again. I sent evidence and the AFFIDAVIT OF FRAUD CLAIMANT by fax and post mail on XX/XX/2022. There were four e-mails in my mailbox which I submitted as evidence : E-mail # 1 confirmed XXXX XXXX money transfer to XXXX XXXX XXXX ( my mother ) to XXXX with tracking number ( XXXX ) XXXX. E-mail # 2 was 10 minutes later and confirmed XXXX XXXX money transfer with tracking number ( XXXX ) XXXX was picked up by XXXX XXXX ( XXXX XXXX, XXXX XXXX, XXXX - the location was provided to me on the phone ) E-mail # 3 and e-mail # 4 show that ten minutes later another money transfer transaction was attempted and XXXX XXXX canceled the second money transfer transaction because they acknowledged there was fraudulent activity. Additionally, I have enclosed evidence of submitting this issue to : Police, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX. XXXX, XX/XX/2022, XXXX XXXX XXXX, ID XXXX, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ; XXXX - XXXX Complaint Referral Form ; Fraud.org Complaint Form ; ReportFraud.ftc.gov Consumer Report to the FTC ; XXXX Case # XXXX ( Fraud Alert ), Case # XXXX ( Dispute ) ; XXXX Case # XXXX. I did call Barclays over 6 times and always was told to wait for 7 to 10 days and then call them back. They always promise that they will investigate and they will contact XXXX XXXX. However, each time when I call them again I am told again that the investigation is completed and there is no fraudulent activities on my account, but they will investigate it again. Today, I called them again and asked them if they can call XXXX XXXX and receive confirmation from them that this was a fraud and that I did not authorize this purchase. I was told that they can not contact XXXX XXXX because they have limited availability and when I asked that I call XXXX XXXX with them on the line, the representative immediately said no and she would transfer me to another department. When she returned, she said the other investigations department can not assist and I will have to call at another time. They can not possibly determine that there was no fraudulent activity without checking on this matter with XXXX XXXX and why do they say they did receive documents from XXXX XXXX and based their investigation conclusion on it if they never contacted XXXX XXXX, according to XXXX XXXX XXXX? Barclays stated on their website that if youre a victim of a scam or fraud well refund money taken from your account that youre entitled to. Count on Barclays ' {$0.00} Fraud Liability protection. With our fraud liability coverage, you aren't responsible for unauthorized purchases made with your card that you report to us. It doesn't matter if your card is lost, stolen, or breached - online or offline - you're protected. This transaction was an unauthorized purchase, XXXX XXXX has all the information needed to conclude that it was a fraud and it was not me who did that. However, Barclays has not contacted XXXX XXXX, is not performing any investigation, and charging me this fraudulent charge and interest fee on top of it, against their statements about the guarantee of protection from liability from fraudulent activities they offer to their customers. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12302
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2022 my wife and I attended a timeshare presentation hosted by XXXX XXXX in XXXX, CA. What we had been told was a tour of the facility was in fact a high pressure sales meeting. Our sales representative was XXXX XXXX. XXXX initially walked us through some benefits of the program and when I asked about pricing for their product, she indicated that they would need to run a credit check to see what discounts we might qualify for. XXXX had trouble handling this so called over another woman whose name I did not catch to help get this information entered on a tablet. After finishing this, we started to leave for the actual facility tour. Just as we were standing up, the other woman returned and said she needed one more signature for the credit check. I noted that this screen mentioned a credit card and asked about that. I was told that it was all related to the credit check for the loan application. After another hour or so of sales presentation, we decided not to purchase a timeshare and left. Several hours later I received an email ( screen shot included ) that said I had been approved for a credit card and would receive it in 7-10 days. I was never shown terms for this card and gave informed consent to apply for a credit card. It was too late in the day to reach out to XXXX at this point and decided to do so the next day. On the morning of XX/XX/2022 I started by calling the XXXX XXXX desk and reaching out to the frontline sales manager XXXX XXXX. I had met XXXX briefly the day before and given the fraudulent nature of the ultimate interaction, I thought best to start by reaching out to him. I was told he was currently unavailable and that he would give me a call back. I instead was contacted by XXXX XXXX, the finance representative XXXX we had met the day before. I explained the problem to XXXX, he indicated that the issuing of a fraudulent card sounded serious and " above his paygrade, '' and that he would have XXXX XXXX or even someone higher up give me a call back. Though that phone call occurred around XXXX, I would not hear from anyone else the rest of the day. I made several more attempts to reach out and was put off each time. In the meantime, I reached out to the actual card issuer, XXXX. I canceled the card and filed a complaint against XXXX for fraudulently opening it for me without my informed consent. After being transferred to a manager on their phone line, I was told the card would be marked as fraudulently opened, that a formal complaint would be filed, and that the credit reporting agencies would be informed of the fraudulent activity. I expected to receive written confirmation of this in 7-10 business days. No written confirmation was provided however. On XX/XX/2022 I again reached out to XXXX. This time I finally did receive a call back from XXXX after about 20 minutes. He claimed that he had tried to reach out to me multiple times the previous day but had gotten a busy signal each time and was unable to reach me or leave a message. This sounds unlikely as I received several calls that day on my cell phone, but it is the excuse he gave for not contacting me previously. XXXX was apologetic and confirmed that he would take corrective actions with the other sales teams members. At my request he also looked into what they could do to apologize to us. After discussing it with his manager he offered us a free weeks stay at a XXXX property and said he would be mailing us a voucher for that. He requested I send him my address so that he could take care of the voucher. I promptly replied. On XX/XX/2022 I contacted XXXX again as I had not heard anything from him or his company. He said he had not recevied my email, despite it being part of the same thread, and asked for my phone number. I recevied a voucher for a 7-night stay at a resort on XX/XX/2022. The voucher must be registered within 6 months and used within one year after registration. I will still be responsible for taxes and fees, but this seems to be a good solution to me provided I am not required to attend another timeshare presentation. Given the trouble with resolving this issue and the extended effort I needed to expend in contacting and holding XXXX to its word, I wanted to make sure this incident was reported.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95051
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A