Date Received: 2022-04-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Hello, This email is a follow up of my complaint # XXXX. As per your correspondence, I did receive a letter from Barclays XXXX credit card giving me a statement credit of {$100.00} that I should have received back in XXXX, XXXX. Because it took 6 plus months to give me a statement credit that was rightfully mine, a balance was outstanding on their credit card for the entire 6 plus months. But more upsetting is that, because of their lack of giving me the statement credit back in XXXX, and because since then their were " unpaid balances '', my credit rating went from XXXX to XXXX! In looking at the credit report, I now have a " late payment '' listed. I called Barclays XXXX on XX/XX/XXXX, When I called Barclay, they told me they were " looking to collect a debt ''. After going back and forth with them, they then credited me the statement credit against the payment, which then became a XXXX balance. So now after 7 phone calls since last fall, it took a complaint from the CFPB to finally issue the statement credit. However, now I am left with a tarnished credit report. XXXX needs to correct this error as soon as possible.
Company Response:
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was on an XXXX XXXX flight and received a brochure for their credit card. The pilot and flight attendants talked about the card. They said signing up gets you XXXX miles when you make a purchase within 90 days of getting the card. Fast forward to now two months and they are not trying to give me the advertised miles, I even have the brochure for evidence with the flight attendants initials and code used to register. I have reached out three times and they have not got back to me or even tried helping me in any way. I am coming here for some kind of help, because this false advertising could lead to a lawsuit. I will report them to XXXX if this does not get resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX RE : Barclays Bank annual fee Account number ending in XXXX FCRA Credit Bureau Disputes XXXX XXXX XXXX XXXX DE XXXX Dear Sir/Madam I opened a travel miles card with Barclays bank for travel miles in the fall of XXXX. I used the card a couple of times, paid it, and stopped using the card. I never collected the travel miles. I did not realize there was an annual fee. I elected for electronic statements and was not checking them as I did not use the card. I did not pay the annual fee. Barclays said this went on for 4 billing cycles. Barclays says my account now has a XXXX balance and they have reported this issue to the credit bureaus, harming my credit. I have called Barclays XXXX times to resolve this issue. Most recently on XXXX and again on XXXX, looking for a resolution. I offered to pay the {$99.00} if they would take this off my credit report even though I did not realize there was a fee. Barclays states there is no balance to pay and to only way to resolve this issue is to send this dispute. I also filed a complaint with Barclays on XXXX case XXXX. The following information is from my XXXX card that monitors my credit score. In XX/XX/XXXX, my credit score was XXXX, XX/XX/XXXX it was XXXX, XXXX XXXX it went down to XXXX, and XXXX. down to XXXX. Not only is this situation mean-spirited, Barclays has chosen to ruin my credit and not give me a way to resolve it. I asked this question multiple times with XXXXarclays should they be able to resolve the issue as they are the creditor. I would rather not file a complaint, but Barclays has left me no other option. Therefore, I am filing this dispute, and notifying the CFPB. Please respond to my letter in writing within 30 days. Sincerely, XXXX XXXX Email : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57701
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Paid off Barclaycard XXXX months ago, but it held processing to accrue late fee charges, then Barclaycard discontinued sending paper statements and changed credit card account without sending credit card replacement. Unaware, Barclaycard account went from zero to {$170.00} from entire late fees and APR penalty increase without a single purchase or cause for charge. Five hours of customer service calls, Barclaycard refuses to give me any paper document other than a discontinuation letter of notice which it threatens to negatively impact my credit rating. I may need to file lawsuit through Small Claims to get Barclaycard 's attention to stop wrongly harassing me and having their collections phone me on weekends at XXXX. The only information that I have from Barclaycard about the account number are the last four digits so I can't even write to Customer Service for help as there is no account to refer to, and when I received the one document in the mail it was poorly printed from someone's home computer so appeared to be a phishing scam but I called the direct number from Barclaycard web site and there is this problematic issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91016
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I've attached a letter that I sent to Barclay 's that describes in detail the event that initiated and perpetrated my FRAUD.I had made an initial request verbally of Barcley 's Aviator Red Card by calling their XXXX number to report the fraud to which they responded on XXXX XXXX declining my fraud request despite issuing me a WARNING TEXT ( attached ) XXXX XXXX at XXXX am, when all the fraud occurred, placing " A SECURITY HOLD '' on my card ( # XXXX ). They issued me a new card to avoid further fraud from occurring, but after my second request ( XXXX ) to remove {$1900.00} of fraudulent purchases they completely ignored my request, and continue to have me either pay the fraudulent purchase or charge me the exorbitant interest rates on the fraudulent purchase. PLEASE SEE THE ATTACHED DOCUMENTATION TO GET AN UNDERSTANDING OF EVENTS AND TIME LINE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Over the past 2 years I have sent several certified letters trying to get XXXX to correct the errors from a company called " Barclay Bank '' they are showing as a collection. As well as a company called XXXX XXXX showing the same. one shows I have a high limit of XXXX and Barclays shows XXXX credit limit. As well as NO records of my one time payments! They have NO dates reporting for either of these companies. ALL my bills show I am an exceptional payment and these XXXX companies are significantly damaging my credit by not fixing these errors!!! And after at least XXXX certified letters over the past 2 years of giving them information to correct and they still don't update!!! I want these both removed asap or I will now take this to lawsuit. It is too much now all these years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I sent a payment in the amount of {XXXX} to Barclays Bank for my Luxury Card XXXX XXXX. I have received from the paying bank an image showing the check was cashed on XX/XX/22. It has not been credited to my account. I notified Barclays over a week ago ( case # XXXX ). When I called for an update today, I was told it will take 60 days for them to resolve. This is unacceptable. They continue to report my balance due, without even providing a provisional credit to my account while they figure out where they made their mistake. I have sent to them - at their request - the electronic image showing the cashed check. I can only imagine what they would do or say if I was 60 days late on a payment, yet they do not seem to care when the situation is reversed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80220
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On Monday, XX/XX/2022, I received an alert from XXXX XXXX that there were a few hard inquiries that had been added to my credit report. These are the inquiries that were added : XXXX Credit : XX/XX/2022 - BRCLYSBANKDE - New Credit Inquiry XX/XX/2022 - XXXX - XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 - XXXX - Card Service - New Credit Inquiry XX/XX/2022 - XXXX - New Credit Inquiry I have called all of the credit card companies listed and reported the fraud but was informed that no new accounts had been opened. I am assuming someone tried to open several cards in my name, but they were thankfully unsuccessful. However, the hard inquiries are still on my credit report, and XXXX and XXXX can not remove them until I have filed a dispute. I would like to have them removed immediately. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77478
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: The discovery of the violation of my consumer rights was brought to my attention last year and I began attempting to resolve this issue directly with Barclay in XX/XX/XXXX, however, the violation has been confirmed in effect since XXXX. This account was Closed by the creditor with a balance in XX/XX/XXXX ; this means the existence of the online account is still active, but they have refused to comply with granting access to view statements as well as denial of requests to opt out of paperless statements. I have paid well over what I originally owed on the account as well as an unfair excess due to the unjustly imposed late fees and interest directly resulting from their refusal to abide by federal law and extreme hardship in attempting to contact customer service and/or obtain assistance when actually reached. Despite asking for Terms & Conditions several times and being told these can ONLY be mailed, they were never received. Attachments include summaries of a selection of calls ( demonstrating the consistent misdirection, unfulfilled requests, and downright lies and bullying by both reps and managers ) ; copies of the emails received that reps claim to meet requirements for sending statements ( Emails are ONLY notifications that my statement is ready and can only be accessed by logging into the accountwhich I cant, because they a ) refuse to provide the information required to reset the login and/or lie about how to obtain the information and b ) even if it was restored, I have been informed statement access is denied for limited online access. ) I have not been able to monitor charges by Barclay or properly manage payments for 4 years due to their deliberate refusal to provide access to statements. I have confirmed with CSRs, managers, and other cases filed that this is a KNOWN issue and deliberate ( for those that are even aware of it and not the reps that are trained with false and misleading information ). I had to assign a proxy to assist with this matter due to the severe impact on my work, limited availability to remain on hold for hours, repercussions of this taking up work hours, and extreme impact on personal time and appointments to continuously review materials and research with counselors. I have avoided making this an official case with my legal representative to try to give Barclay a chance to resolve this on their own and avoid additional expense for both parties, however, I do not believe any progress will occur without official intervention and would still like to provide them an opportunity to resolve this first. Therefore, I am requesting assistance in the enforcement of the Credit Card Accountability Responsibility and Disclosure Act of XXXX, Regulation Z, as Barclay Bank clearly continuously transgressed 226.5 ( b ) ( 2 ) ( ii ), " 21-Day Rule for Delivery of Periodic Statements '', both paper and electronically, and the Electronic Signatures in Global and National Commerce ( E-Sign ) Act, 15 U.S.C. 7001 ( c ) ( 1 ), refusal of the right to withdraw consent for electronic delivery and resume paper statements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To whom this may concern, Please see enclosed document from XXXX XXXX. I received a letter from XXXX XXXX stating the information you have placed on my personal credit profile wasnt and couldnt be verified by XXXX XXXX and has been removed from my personal credit profile. Who verified this FALSE information? Either this was an is an ERROR or a LIE a this must be REMOVED immediately. Also please place a FREEZE on my account Ive enclosed a copy of my Drivers License, social security card. Im writing you once again asking you to remove INACCURATE DEROGATORY items listed below of my personal credit profile ASAP! This is my final attempt I will be seeking legal action after the notice. 1 ) Barklays Bank Delaware 2 ) XXXX XXXX XXXX XXXX ( account was never late ). 3 ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( account was never late ). 4 ) US Dept Of Education XXXX 5 ) XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inaccurate derogatory information listed above Im requesting be REMOVED ASAP. XXXX you have violated my rights for the past 2 years, as a citizen I have a RIGHT to have a public record, but as a CONSUMER congress gives me a right to and accuracy, fairness also privacy. 15USC1681 ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 1681d ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless- ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that- ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30076
Submitted Via: Web
Date Sent: 2022-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A