Date Received: 2022-05-04
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 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 written instructions. 15 USC 1666B : A creator may not treat a payment on a credit card account under an 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: TX
Zip: 79703
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
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: Barclays XXXX XXXX Credit Card : My account was hacked. Hours and hours of attempting to resolve with phone representatives. Have not sent me my statements so i can determine with any specificity which charges were bogus. Can not get into my on line account because the hacker changed my password. Barclays sent a card to this guy under his name on my account even though I told them not to. Some person in another state who i have never met. Most importantly, despite repeated attempts to have Barclays turn off the auto pay and to close the account, they can not or will not do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: The response sent through CFPB states the account was charged off XX/XX/XXXX but have reported on XXXX 's latest credit report # XXXX the charge off was made in XX/XX/XXXX. They stated they validated the debt, however no signature was received on the application for the account. They verified and validated they have no signature on this application and therefore, they is no contract between the consumer and this corporation. The cardmember agreement, terms and conditions, billing statements are not sufficient evidence that must be provided once a consumer requests it which is a law made by XXXX in the United States Code in title 15, Chapter 41, 1692g. In addition to providing all 5 required information that is to be provided to the consumer, 12 CFR Appendix B to Part 222 - Model Notices of Furnishing Negative Information, financial institution that is subject to section 623 ( a ) ( 7 ) of the FCRA shall be deemed to be in compliance with the notice requirement. I, the consumer have not received the required model notice B1 and B2. XXXX XXXX failed to provide these required notices, failed to provide a signed application and contract for the account to be valid. Therefore, there is no choice but for this account to be removed from XXXX and any other consumer reporting agency they may have communicated with. The status of this account on XXXX 's consumer report is account charged off and written off amount is {$1400.00}. Once an account is reported to Internal Revenue Service and Barclays Bank Delaware filed the account at a lost and claims the tax benefits, the financial institution can not continue to assess fees to the closed, charged off account. So the balance is now reporting an increased amount of {$1900.00} which is in direct violation. XXXX XXXX also included an app ID XXXX with the address of XXXX XXXX XXXX XXXX, XXXX, XXXX SC XXXX. This address is not an accurate address and does not reflect on my current consumer report through XXXX with the report # XXXX which is the most current report. You are reporting inaccurate information and making false claims that it is validated and verified. I am the consumer and am the only human that can verify an account. Barclays Bank Delaware, you have many violations I have found your company in. This account is set to be removed on my consumer report in XXXX and I demand this account be deleted within 14 days of XX/XX/XXXX. This is a great time for this company to act with dignity, knowing it is harming consumers with false representation of my character. Charge off accounts are character damaging. This is tarnishing my character and as I've pointed out, you have not followed the United States Code and Code of Federal Regulations which you are required to be in compliance with. Failure to do so will require me to continue further with contact to your direct policy enforcement and fines will be owed by corporation. Let 's make this easy and give the consumer what I respectfully demands. XXXX XXXX, signing this letter from XX/XX/XXXX does involve you and conflicting information does not look good for you. Let Barclays be accountable for their actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The above referenced account is currently reporting to my XXXX credit report as a charge-off but also reports a current balance owed. According to the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 2 ), creditors are required to promptly update the account balance to {$0.00} after the sale of a debt. Barclays Bank is in violation of the FCRA by reporting this inaccurate and conflicting information to my XXXX credit report. Barclays has continued to incorrectly update the status of this debt as past due with a balance owed of {$4300.00}. This debt was sold to XXXX XXXX XXXX XXXX and payment arrangements were made directly with the collection agency. The collection account from XXXX XXXX XXXX did not appear on my credit report because payment was arranged directly with that firm. Barclays is also listing the charged off amount as {$3500.00} on the same report that says the balance owed is {$4300.00}. There is an obvious discrepancy with the amounts and account status. Barclays and XXXX refuses to delete this inaccurate and inconsistent information from my XXXX credit report. XXXX and XXXX has already removed the discrepant account information. This inaccurate account reporting is also adding an incorrect credit utilization rate of 110 % to my credit report. Please see attached XXXX reports showing the conflicting reporting by Barclays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been a victim of fraud/identity theft and someone ( unknown ) opened up a Barclays Bank Credit Card , Date Opened : XX/XX/2019 and has an account balance of : {$47000.00}. I did not authorize this account and this account was not opened by me. Therefore, it is appearing on my credit report and is negatively affecting my credit rating. This fraudulent account is showing up on my XXXX Credit report and they are not blocking the account from my XXXX credit report. I have sent them a police report and an XXXX certified mail and they have verified it accurate, which is not true. Therefore, I am demanding for XXXX to remove this fraudulent account immediately before I take further legal actions and file a lawsuit against XXXX for violating the Fair Credit Reporting Act and reporting inaccurate information on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This was not sent in error ako ay isang consumer by law at ang information ko ay na misused at ngayon I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85008
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX This complaint is with Barclays XXXX credit card. On XX/XX/XXXX, I was talked into purchasing a vacation club through XXXX XXXX in XXXX XXXX XXXX. What they sold me were several items that I found to be untrue after I received my club login a month later. The contract does state that its non-cancellable but I did not receive what they sold me. XXXX asked for my permission to run my credit so they could preapprove me for their in-house financing. I later found out that it was not in-house financing. It was an application to a Barclays XXXX credit card ( which has caused my credit score to decrease ). When I realized that I was not going to receive the items XXXX ( XXXX XXXX ) sold me, I disputed the {$3900.00} charge with Barclays XXXX. This was on XX/XX/XXXX. It took Barclays over FIVE MONTHS to update me with a dispute status. Attached is a copy of their response. Barclays claims that I indicated that I wanted to work with the merchant. This could not be further from the truth. I had told Barclays that I did try to work with the merchant BEFORE I disputed the charge and XXXX would not budge. Barclays was unable to tell me when or to who I supposedly told this to. She said it was an error and that I had to send all documentation back in to re-open the dispute. I confirmed today that they received my documents a week ago but it was still sitting on their desk and has not been reopened yet. The rep said he would escalate. At this point, I have no confidence that they will actually follow through. Arent there laws in place that only allow a specific time period for the merchant to respond to a dispute and if they dont then the credit card company is supposed to charge back to the merchant?? Evidently, Barclays XXXX has a direct relationship with XXXX to quietly open credit cards. I just want my {$3900.00} refunded. XXXX and XXXX can work out the details between them. My Barclays acct number is XXXX XXXX XXXX XXXX. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75022
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/XXXX, I did a consolidation loan in which {$9700.00} was to go to Barclays card for my XXXX Credit card. IT was {$1000.00} more than the current balance and that was to apply it to another card that I was not able to apply it to directly. The money was placed in the incorrect account, XXXX XXXX XXXX XXXX and my card is XXXX XXXX XXXX XXXX. Several calls to Barclay 's and XXXX and no results. Never a call back. Even three way calling with the lender did not get anywhere. We where informed that the could see the deposit and needed proof that it was supposed to go into my account. We faxed them and sent an email and by mail. They say they never received anything. The money was received in the incorrect account on XX/XX/XXXX. I was told that there would be not interest charges or late fees and it would not effect my credit and they would fix everything. They removed the XX/XX/XXXX late charges and interest but have not done so for the XXXX, XXXX, XXXX, Payments and I am not paying on this card until this happens. The lender has sent me the check directly and need to get this straightened out in order to make a payment plan, althought they still have the money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 144XX
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XXXX I submitted complaint number XXXX. I stated that in accordance with federal law Transactions and Experience are to be excluded from the consumer report in accordance with Federal Law 15 USC 1681a ( 2 ). I NEVER mentioned anything being reported as " inaccurately '' only what the law says should be EXCLUDED. In addition, the terms and condition mentions that they may report to the credit reporting agencies my experience with them BUT DOES NOT clearly states that I should be given the option to have my personal nonpublic information NOT SHARED with any nonaffiliated third party. This is a VIOLATION of 15 USC 6802 and furthermore their terms and conditions DO NOT give an explanation as to how I may exercise my nondisclosure right. Barclays also mentioned that the account is being reported as " charged off settled ''. in accordance with IRS publication 4681, charge off are considered to be " canceled debt '' which are to be included as " INCOME ''. Income can not be reported on the consumer report as it is a violation of privacy AND discloses specific nonpublic account information. This violates both the Gramm-Leach-Bliley Act and the Fair Credit Reporting Act. These are not my laws nor my rules but those established by congress. Ignoring them is places you CIVILLY LIABLE and is considered willful negligence and noncompliance for which congress says the consumer is to be compensated {$1000.00} for each violation in addition to ANY ACTUAL DAMAGES sustained by the consumer ( which are significant ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
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 am following up on my prior CFPB complaint ID # XXXX, Barclay 's did not resolve the dispute, they stated they have only reasserted the claim. I have not received any return calls from Barclay 's either, after leaving 3 voicemails with the Office of the President. If there is an investigation ongoing regarding the dispute, I should have at least received a phone call by now. This needs to be corrected immediately and the {$330.00} refunded to my credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A