Date Received: 2024-01-02
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 have made several attempts to dispute a merchant charge with my credit card company, Barclay 's Banana Republic Mastercard. I received the wrong merchandise from retailer XXXX who refused a refund. Credit card customer service first declined the credit due to insufficient information. They instructed me to fax in photo of item ordered, photo of item received, description of issue and all email correspondence between myself and merchant to show proof of my attempts to get a refund. I provided all requested documentation but now credit card company is stating I need a third party letter from another retailer who sells the same item stating that the item ordered is different from item received. The photos provided CLEARLY show the difference. Dress I ordered has long sleeves and is described as a maxi embroidered dress. Photo of dress received is short sleeved, not embroidered and has a different neckline. The credit card company refuses to resolve.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92084
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
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: On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX using my Barclay Card ending in XXXX. I received the wig on XXXX XX/XX/XXXX via XXXX XXXX. Upon receipt of the merchandise I instantly noticed that the merchandise I received was nothing like the pictures that were advertised. The XXXX was supposed to be a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX I received was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX is also not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '', but rather XXXX '' in length. I attempted to contact the merchant numerous times to speak to them about a refund and they refused to respond. After several attempts they went as far as to block me so that I could no longer attempt communication with them by either instant messaging or by social media. Thereby, I filed a dispute with Barclay Card in the hopes they could resolve the issue and get me my money back as I was clearly a victim of an online scam. Barclay card sent me a letter dated XX/XX/XXXX notifying me that they had received my dispute and that they would be investigating. On XX/XX/XXXX I contacted Barclay Card by telephone as I had not received an update and I had not received a provisional credit on my credit card for my dispute. I spoke to a customer service representative to transferred me to someone in the dispute department. When I spoke to the gentleman in the dispute department I requested an update on my dispute and also to provide me with an estimated time frame in which I could expect a provisional credit. I was informed that they had been unable to reach the merchant as well and that they would issue me a provisional credit. That has not happened to date ( XX/XX/XXXX ). In fact, not only have they failed to provide me with a provisional credit but they have removed my credit history with them on my credit report which has impacted my credit score negatively and caused my credit score to drop by over XXXX points. I have been a Barclay Card customer for XXXX years and their deletion of my credit line has injured me financially as it has reduced my credit scorXXXX. They have also failed to issue me a provisional credit or update me on the status of my dispute. I have been mislead and treated in an Unfair, Deceptive and Abusive manner and have been harmed financially as a result of their failure to act prudently and within my consumer protection rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97306
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to file a formal complaint against Barclays Bank Delaware, underscoring significant concerns related to potential violations of privacy laws, particularly emphasizing the lack of adequate disclosures regarding opt-out rights, and drawing attention to the provisions of The Privacy Act of 1974, 15 USC 6805 , 16 CFR Part 313, 16 CFR 433.2, 5 USC 522a , and FCRA Sec 603 ( d ) ( 2 ) ( a ) ( I ). As a responsible credit cardholder, I expect financial institutions, such as Barclays Bank Delaware, to uphold the highest standards of transparency, fairness, and compliance with pertinent regulations. Recent observations have raised serious concerns, necessitating a thorough investigation into the practices of Barclays Bank Delaware. My primary concern revolves around the apparent lack of disclosure regarding consumers ' right to opt out of information sharing, a critical aspect of consumer privacy. Section 15 USC 6802 ( b ) ( c ) mandates financial institutions to provide clear explanations on how consumers can exercise their opt-out rights. However, it appears that Barclays Bank Delaware may not be effectively communicating this crucial information to its cardholders. Furthermore, the absence of information regarding the option to opt out, a right afforded to consumers under 12 CFR 1016.7, is deeply troubling. This omission not only hinders consumers from making informed decisions but also raises questions about compliance with regulatory requirements mandating the provision of clear and accessible information regarding opting out. In addition to the lack of opt-out disclosures, my concerns extend to potential violations of the Fair Credit Reporting Act ( 15 USC 1681 ). Section 602a of this act underscores the importance of financial institutions exercising their responsibilities with fairness, impartiality, and utmost respect for consumer privacy. Barclays Bank Delaware may not be fully compliant with these provisions. Moreover, the apparent lack of information regarding opt-out options may indicate a broader issue of insufficient privacy disclosures. Section 15 USC 1681C ( a ) ( 5 ), which explicitly prohibits financial institutions from disclosing certain adverse information without proper authorization, underscores the necessity for clear and explicit privacy disclosures, particularly in light of the provisions of The Privacy Act of 1974. Additionally, under 15 USC 6805, I note that the privacy notice included in the terms and conditions reveals the involvement of third-party companies, including XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX . This implies that my privacy rights may have been violated by Barclays Bank Delaware under both The Privacy Act and the terms and conditions. I am also aware that 16 CFR Part 313 outlines requirements for financial institutions to inform consumers about their privacy practices and rights, and 16 CFR 433.2 further delineates specific requirements related to creditors and consumer leases. Furthermore, I emphasize the critical importance of 5 USC 522a, particularly in relation to identity theft. Protecting personal information is paramount in preventing identity theft, and Barclays Bank Delaware must adhere to the highest standards in safeguarding consumers ' sensitive data. I suspect that Barclays Bank Delaware may have falsely used my identity, and I draw attention to 5 USC 522a, which prohibits the unauthorized use of personal information. Adding to these concerns, Barclays Bank Delaware appears to have violated FCRA Sec 603 ( d ) ( 2 ) ( a ) ( I ), as the law states that it is illegal to have a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report. Any such violation contributes to a breach of consumer trust and a failure to adhere to the fundamental principles of consumer protection. Finally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, emphasizing the importance of furnishing accurate information to consumer reporting agencies. Any failure to ensure the accuracy of shared information may potentially contravene this stipulation. In light of these grave concerns, I urgently request that the Consumer Financial Protection Bureau conducts a thorough investigation into the practices and procedures employed by Barclays Bank Delaware. Additionally, I implore the Bureau to address the lack of opt-out and privacy disclosures, considering The Privacy Act of 1974, 15 USC 6805 , 16 CFR Part 313, 16 CFR 433.2, 5 USC 522a , and FCRA Sec 603 ( d ) ( 2 ) ( a ) ( I ), and take appropriate measures to ensure compliance with privacy laws and consumer protection statutes. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to safeguard consumer rights. Account name : BRCLYSBANKDE Account number : XXXX Date opened : XX/XX/2018 Balance : {$4700.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33437
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
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/ I got a call from a company called XXXX XXXX XXXX that said they got my name and credit card information from my XXXX XXXX subscription account, and they offer special vacations discounts to all XXXX XXXX XXXX members. The person I spoke to was named XXXX, and when I asked what they offered he said vacation packages to different places in states and internationally. When he told me the different places it sounded like a scam to me and at the end of the call I told him I wasn't interested. About XXXX minutes later I got a fraud alert text from my credit card company. I called the number and informed the woman that I got a text from them with a fraud warning. I verified my account and I told her DO NOT let the payment go through, that it was a scam. She said OK. When I got off the phone I called the number on my phone the scammer called me from and asked him why he tried to make an unauthorized charge on my account. I immediately told him that I called my bank and told them not to pay it. He then said, " The payment went through. '' I told him to give back the money right now and he said that I need to call back and speak with the manager the next day. I called and spoke with the manager named XXXX the next day who began yelling at me on the phone calling me names and told me if I want my money back it's between me and my bank then hung up on me. I immediately called my credit card company and told them what happened, and they opened a dispute case. A few hours after the call XXXX XXXX XXXX sent an email to me stating that if I wanted a refund, I would have sign and attached form with a copy of my official identification that shows only my name and signature with all other information blocked out. They had a picture of an ID with everything blocked out but the signature as an example attached to the email. I knew they were trying to obtain my signature so they can forge it, so I didn't bother responding. I decided to let the credit card companies ' investigation take care of it. I got a letter dated XX/XX/, from Barclays stating that they got a response from the merchant and my signature was on the documents, so the merchant was able to " validate '' the charges. I called Barclays fraud department and the person I spoke with told me that he heard the conversation on the phone and the signature is why I was rebilled the {$410.00}. I told him that I saw the documents that were sent to me and that was not my signature. I told him the merchant forged my signature. He told me that I would need to send a letter to the executive office of the president to see if they could do anything about the fraud charges and gave me the address and that office is the only one that can do anything about the charge back. So immediately wrote a letter and sent it to the executive office of the president. About XXXX weeks later I got a call from XXXX who stated he got my letter and that they are siding with the merchant. When I asked why he said my signature was on the documents. I told him that those signatures were forged and that he could see that because I sent a copy of my ID, and the signature are completely different. He said, " We are not signature experts. '' Then he said the merchant doesn't accept cancelations. I said that I sent him documents showing that they do and he responded with, " We are siding with the merchant. '' He kept saying that over and over. He didn't want to answer my question and just said we are siding with the merchant and hung up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96822
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
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/XXXX I received a series of alerts from my credit card company Barclay 's Arrival Plus XXXX XXXX XXXXXXXX about charges from XXXX. I immediately checked and did not recognize the series of charges. I reached out immediately and my card was shut down and I was told I would be issued a refund in 1-2 billing cycles. I was told I would have to pay the charges until the case was investigated or else I would be billed interest, so I paid my balance in full ( including the disputed charges ). Attached is a copy of the credit card statement listing the charges from XXXX which total {$780.00}. I do not think I was supposed to have to pay the disputed charges as I was told while the case was being investigated and it is taking longer than I was told to resolve the issue. I have still not been issued a refund and after calling today to find out the status of my case, I was placed on a 20+ minute hold that was supposed to be a couple of minutes while they " researched '' my case. Nobody ever came back on the line. I need help getting this company to return my funds. I have run into fraudulent charges before with other personal and business credit cards, and I have never had an experience like this. First, I have never been told I needed to pay the disputed charges. They were removed from my balance while being investigated. Second, the investigation never took anywhere near this long to resolve. The charges were always very easily identified as fraud. Since Barclay 's alerted me, I am sure they knew the charges were likely unauthorized and fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27215
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Barclays Bank Delaware authorized XXXX XXXX XXXX XXXX with their intent to sue me over alleged credit card debt in the amount of {$5700.00}. This letter, dated XXXX from this law firm, took me completely off-guard, and has lead to extreme XXXX XXXX XXXXXXXX since receiving. This debt has been on my credit report and reported as charged off by Barclays. If one was to look at my credit report, you would see that I have " Excellent '' credit, aside from this one erroneous blemish that Barclays and XXXX are determined to falsely report. This has affected me emotionally and psychologically, and has led to XXXX XXXX XXXX XXXX XXXX XXXX. Coupled with my entire industry being shut down for months due to strikes, with no earning potential or job prospects, and a potential law suit being hung over my head out of the blue, it has been a very difficult time for me and my family.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I trust this letter finds you well. I am writing to you with regards to my recent discovery of late payments reported on my credit file, specifically related to my account with BARCLAYS BANK/OLD NAVY . Upon reviewing my credit report, I noticed that late payments were recorded during a specific period, and I believe these were a result of a unique circumstance. BARCLAYS BANK/OLD NAVY XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or BARCLAYS BANK/OLD NAVY customer service representative XXXX I would like to provide context for these late payments. During the mentioned period, I did not receive my regular account statements from BARCLAYS BANK/OLD NAVY . After investigating the matter, I learned that the lack of statements was attributed to a very small balance in my account during that specific time frame. I fully understand the importance of maintaining a positive credit history, and I take responsibility for any oversights in managing my account. However, the late payments occurred due to circumstances beyond my control, namely the absence of statements that would have alerted me to any outstanding balances. I am writing to kindly request your consideration in performing a goodwill adjustment to remove or modify the reported late payments from my credit history. I believe that the unique circumstances surrounding the missing statements and the resulting late payments do not accurately reflect my usual financial behavior. Enclosed with this letter, please find supporting documents, including bank statements and proof of my efforts to bring the account current. I am committed to rectifying any outstanding issues and ensuring my account remains in good standing. I sincerely hope that BARCLAYS BANK/OLD NAVY will understand this exceptional situation and grant a goodwill adjustment, helping to rectify the impact on my credit score. I appreciate your time and understanding in this matter. Thank you for your consideration.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90303
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is a fraudulent credit card posting on my credit report from Barclays Bank ending in XXXX. It is showing over spending limit, and past due payment. This account is fraudulent, as I did not open it. The company and credit reporting agency needs to remove this account within 7 business days as it is a violation of my consumer rights to be posting false and misleading information. I have reached out to the company, but have not heard anything in response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80026
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Credit card company calls me 20+ times a day, sometimes 7 times an hour and they are harassing me.
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: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was going over the hard inquiries that I have on my credit report and there is some that I do not recognize and did not authorize. I have filed a complaint through identitytheft.gov and I need these inquiries to be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95350
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A