Date Received: 2022-04-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These inquiries occurred without my approval. Ive been the victim of identity theft and I dont recognize any of these inquiries/companies on my report. 1. XXXX XXXX XXXX XXXX : XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 2. XXXX XXXX XXXX : XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 3. XXXX XXXX ( XXXX ) XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 4. Barclays Bank Delware ( Bank ) XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 5. XXXX XXXX XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 6. XXXX XXXX XXXX XXXXXX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 7. XXXX XXXX XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85122
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I pulled my credit report and noticed that my utilization rate is being reported on my Barclays account. Utilization rate is categorized as an " experience '' I have with that company so reporting it publicly to XXXX, XXXX and XXXX is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a ( 2 ) ( a ) ( i )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99354
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Barclays company never notified me of a rate increase, when I called they stated because the federal government raises the rate they dont have to notify me. They also charged me double interest on my statement balance. If I paid half of my balance why are they calculating interest without acknowledging my payment-this is lying, stealing, and deceiving customers. They told me the computers have been down for two hours thats why they cant look into my account to see what happened which is a lie..
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: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for an XXXX card after receiving a promotional brochure during a flight on XXXX. I received the car in XXXX but couldn't activate it until XXXX because someone had entered the wrong birthdate. Once I got it activated, I used it to buy another flight on XXXX. MY bill came and I noticed there was an annual fee on it. The promotion I signed up for was for XXXX miles added to my account and no annual fee if I used the card. I have called and talked to numerous people. I have received calls from their billing department insisting that I pay the annual fee and the interested I am now being charged for not paying that {$99.00}. I paid for the ticket but not that annual fee. Finally, someone asked for the promotional code and when I gave it to her, she said I had to pay an annual fee. I was holding yet another brochure in my hand and read to her the statement from the brochure that there is no annual fee the first year if I use the card. I told her I wanted to cancel the card but she said she can't do that until I pay the annual fee and interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23116
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a line of credit from XXXX to purchase an XXXX. This was a deferred interest purchase. I also made a few other regular purchases. My deferred interest is expiring on XXXX. On XX/XX/XXXX I made my payment of {$100.00}. I then called on XX/XX/XXXX and requested to make a payment on the deferred interest balance which was {$560.00} and was assured by the agent this would be applied to the balance of the special finance balance. A few weeks passed and I noticed the deferred interest balance was still on my statement. I called again and was told I was wrong and the {$560.00} was paid to the deferred balance. In XXXX I received my new statement and the deferred interest still has a balance. I then sent out three emails and am being told I can't make a payment to pay off my deferred interest balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Greetings, I have a barclay credit card and this is the second time I paid my credit card, the payment cleared my bank, but Barclay held my payment and did not clear it from their system. The first time, I made a payment last month and although the amount cleared my bank, they refused to clear it from their system until 20 days later! I told the representative that that was extortion. The representative requested to verify with my bank, I called my bank and they confirmed the transaction happened days prior. Today, I checked my account and realized the payment cleared my bank again yesterday, but on barclay they still withheld the payment from clearing my debt! I paid the amount of {$1700.00} and went on my app and still showed the amount has not cleared my account. I took the liberty of exposing photographs of the transaction in my bank app and the barclay app for evidence. I warned them that if it happened again, that I would report them! Please help me! Every customer should not be treated like this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79932
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a Barclays Credit Card USA Barclays,. XXXX XXXX XXXX XXXX, DE XXXX. I have had the card for 9 years and use if for every purchase I make. I have always been successful at redeeming my miles to use for airline travel. I am a customer in good standing and have excellent credit status. On XX/XX/2022, I purchased an airline ticket from XXXX in the amount of {$1100.00} with my Barclays Credit card. I had XXXX miles. Barclays awards {$100.00} per XXXX miles as a Travel Statement Credit. On XX/XX/XXXX I submitted my miles for redemption. A week later I noticed that my reward miles amount had not changed. On XX/XX/XXXX I called to inquire why my rewards had not been redeemed. I was told by the customer service agent that he would adjust my miles accordingly and I would be awarded {$1100.00} as a travel statement credit within that statement cycle. I was not. I called to complain. The customer service agents did not apply my statement credit again. On XX/XX/XXXX, I tried to redeem my miles again. I got a " congratulations '' confirming that my miles had been redeemed. See attached. However, the amount of my miles did not change. Again I was not awarded my travel statement credit in the amount of {$1100.00}. On XX/XX/XXXX I called to ask why Barclays was not giving me my Travel statement credit. I was told it would need to be investigated by the rewards department why. On XX/XX/XXXX after numerous calls I was finally awarded a case ID number XXXX. I was told it would take 7 - 10 days or even 30 days for investigation. It has been 30 days and I have seen no correspondence from Barclays as to why they are refusing to give me my Travel Statement Credit. As of today, XX/XX/XXXX, it is listed on my Barclays account I have 28 days left to redeem my miles against the XXXX purchase. After that the chance to redeem expires. Are Barclays ever going to honor their agreement and give me my Miles? This has been a cause of great frustration and stress. I am not sure why this needed to be investigated. I should be able to call customer service, they see I have above and beyond the miles needed. This has taken up so much of my valuable time to file this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03833
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Barclays Bank has decreased my credit limit on all three of my credit cards : XXXXXXXX XXXX XXXX XXXX Credit Card XXXX XXXX The bank has not given me a valid reason & I would like for my limits to go back to their original limits
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33328
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I mistakenly set up automatic payments through my XXXX XXXX XXXX checking account to pay a Barclays Frontier Airlines credit card while the card had a XXXX balance. This went on for a few months without me realizing. The over-paid amount that is owed back to me is {$9900.00}. I first contacted them in XXXX of XXXX. They told me two checks had been sent out ; one for {$5900.00} and one for {$4000.00}. I never received them, so they sent it to be investigated by another department in Barclays. They said give it up to 30 days for the issue to be resolved. Thirty days went by and still nothing. I have called several times in XXXX, XXXX, and now XXXX, and every time I get a vague reply saying it's still processing or it's in the mail or just give it 7-10 days, etc. On XX/XX/XXXX they sent me an email of a picture of the check for {$4000.00} as proof that they sent it back on XX/XX/XXXX. Then I spoke to someone on XX/XX/XXXX saying it's still processing. What I do know, is they are jerking me around and no one really knows what is going on with my money. Is there something you can do for me? Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80005
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: XX/XX/2022 I applied for a balance transfer from Barclays XXXX credit card A few days later I noticed that Barclays had taken money from an account unrelated to my account. Barclays took this money and gave it to another account, unrelated to me. Barclays still charged my account I contacted Barclays and told them " You took money from someone and gave it to another and still charged me! '' It has been almost a month and nothing but the run around. Barclays is charging me interest and set a date for the first payment on XX/XX/2022! Barclays " We are investigating, it could take up to 60 days! '' What is there to investigate? Barclays took money from another persons account and gave that money to another persons account and still managed to charge me, for this! I've included a screenshot that shows Barclays transfer from an account ending in XXXX ( not my account ) I have XXXX credit card account with Barclays that ends in XXXX Thanks for your time
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55407
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A