Date Received: 2022-04-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On the XXXX of XXXX Ive noticed a hard inquiry was reported to XXXX on my credit report. I got a notification on my phone from XXXX XXXX indicating that I applied for some type of credit on XX/XX/22 which I did not applied for anything at all on that day or any other day. The company name is Barclays Bank of DelawareXXXX I Looked up that company and I placed a call but they prompted me for my information and a referral number which I did not have, so I told them that my name or information was used by them so they told me to repot it to the credit report agency which I had done.. Barclays Bank of Delaware could not give me any information unless I gave them all my information which I do not feel safe on doing to a company I do not know anything about and why and how they had my information in the first place.. so Im reporting this to have that hard inquiry removed from my credit report and to find out what I can do to have my personal information removed from certain companies or third parties companies and keep my personal information safe? However I did have all 3 credit report agencies freeze my accounts but I dont think that its enough to keep my identity safe. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14617
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid my balance in full to Barclay over a XXXX dollar in XX/XX/2022, I was reviewing my emails and notice an email from Barclays stating I had a balance of {$71.00} this was so confusing to me sense I paid my balance in full. Call Barclaycard the first rep left me on hold for over 20 mints, I called again and I have this gentleman who was very nice, he extra lain to me the reason I have a balance and I explained to him that I should not have a balance since I paid my credit card in full, he try to remove the fees but require a manager, after a few minutes he came back and told me his manager wave Si e fees but not alll of them, I had to pay {$34.00}. I was very upset and still am, i have really good credit, always paid more than the minimum payment, I had always been on time with them and for them to treat people like that, I close my account with them, but some one has to let others know of the bad credit cards companies
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92027
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Good afternoon Im writing this letter cause I feel overwhelmed due to the high interest Barclays master credit card is charging me every month. I try calling customer service to help me lower the higher APR. I also noticed interest charge are super higher the company dont have any values for their customers. The reason I agreed to open this Barclays master card was cause it was a XXXX XXXX XXXX which is not a XXXX XXXX XXXX anymore. Please take a look to see if you guys can help me. Thank you in advance. Current balance {$13000.00} Purchase APR 23.24 % Cash Advance APR 25.49 % LATE PAYMENT $ ( XXXX ) XX/XX/2022 LATE PAYMENT $ ( XXXX ) XX/XX/2022 INTEREST CHARGE-PURCHASES {$260.00} Additional details for transaction on XX/XX/2022 titled INTEREST CHARGE-PURCHASES for amount XXXX XX/XX/2022 PAYMENT STOPPED {$370.00} Additional details for transaction on XX/XX/2022 titled Payment Stopped for amount XXXX XX/XX/2022 LATE PAYMENT FEE {$40.00} Additional details for transaction on XX/XX/2022 titled LATE PAYMENT FEE for amount XXXX XX/XX/2022 PAYMENT RECEIVED $ ( XXXX ) XX/XX/2022 PAYMENT RECEIVED
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34743
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX otherwise know as XXXX XXXX XXXX started unlawfully sending me collection notices on XX/XX/2022. This had been resolved in XXXX. XXXX threatening again for ( 2 ) debts that are over 7 years old. Now they are somehow harassing me when make an inquiry on current credit cards, Im placed on hold, redirected to XXXX, where They claim that they didnt call me, rather, I called them. Obviously, this collection agency has found another way to harass me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43055
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
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 my wife received a call from Barclays - XXXX XXXX XXXX Credit Card - security department alerting us of some possible fraudulent activity. Three charges for {$410.00} each were made within minutes of each other to XXXX in XXXX, NC. The charges were being made as we were on the phone with the security folks. I told them that we were not making the charges. We were on the phone for XXXX hours and finally they reversed the charges. They cancelled that credit card and sent us a new card. In XX/XX/XXXX, out of the blue, Barclays added those charges back to our account. I called the security department phone number and was told that they had decided that the charges were not fraudulent and that we owed the money. They said that we were physically in XXXX ( XXXX hours away from our home ) and made the charges. Then they asked me to provide proof that we werent in XXXX in XXXX. I submitted an affidavit to the fax number Barclays provided. Several days later, I tried to call to check on the affidavit and spoke to someone who basically said that we needed to prove that we didnt make the payments. I told them that I had sent an affidavit to the fax number the security department gave me and the person stated that her manager would call me. No one called me back. A week later I called again. I was given the same statement - that I needed to prove I was not there. My wife decided to go online and dispute the charges ( again ). Barclays removed the charges again. We received a letter stating that they would investigate the charges. Over the next several weeks, I tried to call several times and received the same statement each time. Finally, we received a letter stating that they had determined that the charges were fraudulent and we are not responsible for the charges. Barclays removed one of the charges, but added the other two back to our account. Tonight ( XX/XX/XXXX ), I AGAIN called security about the charges and was were told again ( for the billionth time ) that we have to prove that we didnt make the charges. I have asked to speak to someone about the investigation and to see the results of their investigation at least 5 times and have not received a response. Weve asked to speak to management every time weve called and were told they would call us within the next business day and have never received a call back. We did not make the charges they are saying we did. In fact, the only charges we have ever made on this card have been to XXXX XXXX XXXX. I want to just state that Barclays is the worst credit card company we have ever dealt with. In fact, their total lack of response to obviously fraudulent activity is maddening. Not only are they horrible, it makes me never want to go on a XXXX XXXX if they are working with this very crooked company!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a Barclays Mastercard credit card. I have had this card for years and have always had auto-pay set up to pay my entire balance 5 days before my due date. This ensures that I do not pay interest, because my entire balance is paid 5 days in advance. However, inexplicably, my XX/XX/2022 statement showed {$38.00} in interest charges. It showed a previous statement balance from XX/XX/2022 of {$3000.00}, but it only showed my automatic payment as {$2900.00}. Thus, I was charged interest because Barclay 's automatic payment system failed to pay the entire statement balance. This has never happened before, and I don't understand why it happened this month. Barclays never called me to let me know of this error. Had I not checked my statement, I would have paid {$38.00} in erroneous interest charges due to a failure of Barclay 's automatic payment system. On XX/XX/2022, I called Barclays. They agreed that their automatic payment system had made a mistake, and they waived these interest charges. However, they couldn't explain why this mistake was made. They said it was a " computer glitch '' that happened sometimes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60607
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/XXXX, I made a transaction " XXXX XXXX - XXXX '' for {$53.00}, which should be qualified for XXXX points. BUT I only receive XXXX points, and I am missing XXXX points. I've contacted Barclay customer service twice, and case ID is XXXX. It has been six weeks but still no progress at all. Please DO NOT call me. I specified this with customer service but I still receive calls which just repeat themselves and do not solve my issue at all. This is VERY DISTURBING and ANNOYING. I've wasted too much time talking to customer service. Please look at the evidence I provide. Email me if there's any progress or additional info required.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Good afternoon, I have a Barclay credit card which I have not used in several months. I called today to cancel it and because it was within 60 days of the {$89.00} annual fee being charged I need to pay the fee in order to close the card. This is the kind of nuisance fee the bureau states it is trying to protect consumers from. I have an XXXX credit score and have perfect repayment on the account. My account was profitable for the issuer due to interchange fees made due to the heavy usage of the card. I think it's ridiculous to make someone pay a fee for a card they are closing. The only thing they were willing to do was file a complaint for me. You may be unable to assist me, however I think this kind of fee structure needs to be removed in order to protect consumers moving forward. Essentially they are requesting an annual fee on a card I'm closing and will receive no benefit from. The annual fee was waived for the first year so I consider this a fee for the coming year. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 172XX
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Received a letter From XXXX collecting debt from a credit card company that an account was opened using my identity. I requested documentation XXXX XXXX did not provide. XXXX XXXX 's letter states I will experience tax consequences which that language is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
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 writing to dispute a charge of XXXX to my XXXX account in which I have been disputing with Barclays XXXX and the XXXX XXXX, since XX/XX/XXXX. The merchandise I received from XXXX XXXX was inspected by a XXXX XXXX store in XXXX XXXX XXXX, in XXXX VA on XX/XX/XXXX, XX/XX/XXXX, and by The XXXX on XX/XX/XXXX. On all three dates it was determined the merchandise I received is indeed fake. I ordered the item on XX/XX/XXXX. The seller XXXX XXXX XXXX has a FAST SHIPPING | 7 DAYS MONEY BACK GUARENTTEE policy on their webpage. I received my led to believe authentic XXXX XXXX handbag merchandise 15 days after purchase ( see attachments ). When the seller shipped this led to believe authentic XXXX XXXX XXXX, they only valued the bag to be worth XXXX dollars. Their web page states all products are 100 % authentic and once you receive your merchandise you can get it authenticated. On XX/XX/XXXX ( one day after receiving ), and XX/XX/XXXX, I was told verbally it was fake by a XXXX XXXX sales associate. XXXX XXXX will not offer authentication services in writing because it will damage their brand history and many years of expert craftsmanship. I believe XXXX XXXX knows XXXX XXXX will not offer authentication services in writing and that is why they state to get it authenticated by a XXXX XXXX retail store. On XX/XX/XXXX XXXX XXXX did send me an email after my 2nd visit stating this. On XX/XX/XXXX, Barclays XXXX requested that I get a 2nd opinion document on letterhead from another licensed or qualified merchant in the same line of business to support my claim. I reach out to The XXXX. The XXXX XXXX XXXX is an online and brick-and-mortar marketplace for authenticated luxury consignment. Due to Covid-19, my appointment was schedule for XX/XX/XXXX. On this date it was determined again this merchandise is not authentic. A senior valuation manager for XXXX XXXX inspected the merchandise on XX/XX/XXXX and discovery the colorway throughout the dust bag, the date code tab shape, date code font, the inferior quality materials throughout, logo tab, colors and fonts used throughout collateral ALL INCORRECT XX/XX/XXXX, Barclays XXXX has closed my case ( XXXX ), due to too much time spent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22153
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A