Date Received: 2022-05-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d and purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 717XX
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A LUXURY CARD Master Card was mailed to my home unsolicited by me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70810
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: XXXX charge on XXXX XXXX Mastercard 0f {$2100.00} paid in full on XX/XX/22. Credited {$2100.00}. XXXX statement had interest charge of {$23.00} ( rather usurous ) which I did not notice so entire amount of {$2600.00} was paid on XX/XX/22. I was credited with only {$260.00} so interest of {$66.00} was added to my XXXX statement. I spoke to XXXX and interest charge was removed and I paid entire remaining amount on XX/XX/22. XXXX bill shows interest charge of {$25.00} which, I was told, was related to underpayment of {$20.00} ( because of bank error ) in XXXX and they would not remove it. This has been reported to credit agencies and has affected my XXXX score and card maximums. I have asked to review the XXXX and XXXX checks. I was told this would be impossible because checks did not exist anymore. I need help to remove {$25.00} interest charge and to have credit reporting companies correct their records.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
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: Made online purchase on with XXXX XXXX onXXXX XXXX for $ XXXX.Product not received .Attempted contact revealed company out of business. Initiated legitimate dispute with Barclays ( dispute # XXXX ) in late XXXX. To date have received no credit to my account, and no resolution.Several contacts wit Barclays dispute department have met with same unconcerned scripted replies of " still under investigation ''. Contacts advise I can not speak or Email the individual that is actually handling the dispute? Have noticed many social media posts from consumers who have experienced basically the same issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-22
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: Dear Sir or Madam : I am writing to inform Barclays bank of fraudulent credit card charges on my business credit card. There were XXXX fraudulent charges from a fake merchant ( XXXX XXXX ) totaling {$12000.00}, beginning on XX/XX/XXXX and ending on XX/XX/XXXX. On XX/XX/XXXX, I reported this to Barclays immediately upon recognizing the fraud charges. I have never done business with XXXX XXXX. I did not authorize these charges. This is a fake merchant with fraudulent charges applied to my credit card. I do not have a XXXX account with the account number listed in these charges ( XXXX XXXX ). On XX/XX/XXXX, all of the charges were placed back on my credit card. I was not informed of any decisions by Barclays, although was initially told by Barclays in writing that I would be notified of the resolution upon closure of the investigation. Barclays has once again failed to remove and remedy these fraudulent charges. Again, I implore Barclays to recognize the following evidence of fraudulent activity : Classic fraudulent testing the waters activity starting with an initial {$50.00} charge, followed by a slightly larger charge a day later for {$200.00}, then another a day later {$350.00}, and then XXXX more @ $ XXXX over 4 days. Atypical spending/charging pattern that is not my usual spend pattern o XXXX charges ( $ XXXX ) on XX/XX/XXXX o XXXX charges ( $ XXXX ) on XX/XX/XXXX o XXXX more charges from same merchant over a 10 day period Spending exceeding my credit limit - never have I exceeded my credit limit All charges from the same merchant, a fraudulent, uncontactable, untraceable merchant account No past history of doing business with this fraudulent merchant - XXXX XXXX The charge is not in the format XXXX uses for CC charges. XXXX states that real charges will appear as : If you've been charged by XXXX XXXX and you're using XXXX or XXXX to pay, you might see any of the following charges on your statement : o XXXX XXXX. XXXX o XXXX [ XXXX XXXX Ads Customer ID ] o XXXX [ XXXX XXXX XXXX Customer ID ] o XXXX [ XXXX XXXX Ads Customer ID ] Source of information : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX % XXXX Shockingly, Barclays fraud protection did not recognize grossly abnormal charging activity on my account involving XXXX charges on the same day ( XX/XX/XXXX ) for the same amount ( {$500.00} ), XXXX charges on the same day ( XX/XX/XXXX ) for the same amount ( {$500.00} ), and XXXX charges over 2 days ( XX/XX/XXXX & XXXX, XXXX ) again, all for the same amount ( {$500.00} ). Barclays failure to act to protect my account against blatant and extremely repetitive fraud charges is gross negligence and a failure to protect this account holder. My attempts to rectify this fraudulent activity have fallen on deaf ears at Barclays. Despite calling every day to ask for help and repeatedly report the fraud charges, each time I am transferred to a department that has me start over with my reporting, providing no solutions nor answers as to why Barclays allowed me to fall victim to this theft, and enacting no remediation. I am shocked and disappointed in Barclays failure to recognize this repetitive fraud and stop it before it escalated to an exorbitant sum of money. I am equally disappointed in Barclays failure to resolve this fraud against me and re-apply all the charges to my account without notification of the reason. I welcome a representative from Barclays to contact me directly to inform me of the immediate resolution of this fraud and removal of the XXXX charges totaling {$12000.00}. Please investigate this matter and correct the billing error providing me with a credit of {$12000.00} and the removal of any and all service fees and interest charges. Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX In XXXX XXXX XXXX, XXXX XXXX cell
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19711
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account XXXX XXXX / XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33137
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I made a complete payment of the credit card amount around XX/XX/2022. I was told this was a COMPLETE payment for the remaining amount. Later, there was an interest charge. I was unaware of the charge nor did i receive any contact from the company regarding the charge. I only became aware of the charge when my credit score was hit with a late charge for an unknown charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27607
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone applied for a credit card in my name with Barclays that I did not authorize. I called on XX/XX/XXXX and spoke with XXXX who was able to start the fraud process. XXXX assured me that the fraud department would investigate, request the removal of the inquiry, and get back to me by XX/XX/XXXX. On XX/XX/XXXX I still have not received a response or a call back so I called in to Barclays again and spoke with XXXX. XXXX could not find an account or the application. They are now stating that there is no application with in their system using my social security number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35216
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: BRCLYSBANKDE : Has reported my debt twice that i owe them and this is not true this is illegal they have called me several times and send me letters to pay them. I do not owe them twice and are also reporting incorrect balances. I called XXXX who is the other creditor reporting i owe them when its the same debt as BRCLYSBANKDE but with a different amount. When i called XXXX they told me the debt is with a lawyer and the lawyers did not want to help my case but just wanted me to pay. I need help to see what is going on here, i feel like i am being violated by my consumer rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75211
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
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: Approximately one year past ( XX/XX/2021 ) I purchased a service from XXXX XXXX XXXX to assist me in selling or dissolving a time share. They suggested they had the means to so and I agreed to place {$4900.00} on a Barclays credit card. XXXX XXXX was unable to assist me and I filed a dispute with Barclays for a charge back. The claim was incorrectly filed under fraud instead of no benefit of service and we received the funds back from Barclays. On the next billing cycle the amount appeared again explaining I had entered into the transaction willingly and was not fraud. I agreed and reminded them I had filed the complain as a no benefit. Barclays then let several months transpire without addressing the issue and now suggests too much time has passed for them to remedy with the vendor. I have tried in vain to work with Barclays but they suggest there is nothing they can do. I have tried working with the company but they are not answering my calls
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 087XX
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A