Date Received: 2022-03-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: For two months now, I have experienced an issue where I have scheduled a payment in the XXXX application, seen the confirmation screen, and then come back the next day to find that my payment was not processed, and I have been charged a late fee. The first time it occurred the fees and interest charged were waived. I scheduled a payment via web as soon as it became known to me for the full statement balance of the card yet again this month, and when I contacted Barclay 's on XX/XX/22 to ask if there was some place I can report a bug in the application and requested that fees be waived, I received a dismissive response of advice such as " you can schedule a payment up to 10 days before it is due ''. Yes, that is true, but if responsible use of a credit card as a short-term loan is supposed to involve paying the balance in full ( which I have been doing for some time now on this account, I might add ), why would I do so any sooner than I need to? To my point, I was refused a second fee waiver with those unhelpful responses, which did not answer my question.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello good day! The issue that has occurred is that I have several unauthorized inquires reported on to my XXXX credit report and was informed by them, to create a report to remove these unauthorized inquires. Both unauthorized inquires were reported on the year of 2021. One is titled as " BARCLAYS BANK DELAWARE '' and the other is titled as " XXXX XXXX ''. I've already contacted the banks that left a hard inquiry on my report which led me to contact XXXX where the inquires are shown. Then was instructed to make these actions in order to solve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11377
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: Someone at XXXX claim I had a Barclay card which I do not have. I told her I check my credit report every day. I do not have any new accounts at all. The woman who sound like an older woman, claim I was going to be taken to court over this debt. I asked to speak to her supervisor. She claim she has none.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The account I previously had, has been charged off. By Definition The IRS Clearly says a Canceled debt or Charge off Is Income. The reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) a person not furnish any information relating to a consumer to any consumer reporting agency if the person if the person knows or has reasonable cause to believe that the information is inaccurate. I have contacted this establishment informing this manor. I have yet to see any change nor response from these companies reporting to the credit reporting agencies. companies contacted XXXX XXXX, XXXX XXXX XXXX, CXXXX XXXX XXXX BARCLAYS BANK DE, XXXX XXXX XXXX,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98444
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-20
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I didnt receive the promotional interest rate. Called multiple times. Received a letter to verify that I would get the promotion. Barclays keeps denying the request. Should have been a 0 % interest rate on purchase from XX/XX/XXXX - XX/XX/XXXX. See attached document for flyer and letter stating they will make corrections. Complaint # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95762
Submitted Via: Web
Date Sent: 2022-03-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-20
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Approximately 6 months ago I called Barclay 's to ask them to reduce credit card payment. We were still recovering from COVID layoff 's, had a death in the family and actually used the credit card to pay for final expenses. Our rent also went up {$400.00} in XX/XX/XXXX. The representative said that she needed XXXX XXXX 's permission to speak with me. We called XXXX XXXX on a three-way call and he gave permission. The representative said that she would reduce our monthly payment. That did not happen. We called a second time, XXXX XXXX was sitting with me and gave permission for me to discuss the card. This representative ( second time ) said that she could get us to lower payments but it didn't happen. We called a third time, again said they would reduce payment from $ XXXX monthly to $ XXXX monthly. All the while I continue to pay what we can afford monthly $ XXXX {$180.00} monthly. We are ( were ) in the process of buying a house but when the report was ran, it came back that Barclay 's is in delinquent status ( because we wer n't paying the minimum ). We were disqualified for the house ( XX/XX/XXXX ). XXXX XXXX called Barclay 's XX/XX/XXXX ( 4th call ) and the gentleman made arrangements that are now reflected on the website as closed account with payment arrangements. The representative said they did not reduce payment because I ( XXXX XXXX ) was not an authorized user on the account, but I am his legal wife and pay this bill through my account. We lost the home that we were in escrow for because of their incompetence and miscommunication.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85283
Submitted Via: Web
Date Sent: 2022-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am being charged for a debt that belongs to my deceased spouse. Between XX/XX/XXXX to present XX/XX/XXXX, not sure about the current amount. The company attached this account to me without my knowledge
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: BARCLAYCARD XXXX XXXX Received a letter dated XX/XX/2022. The letter stated that I had not used my card with XXXX balance in some time. If I want to keep the account open, the card must be used periodically to remain in good standing. Thus, if I want it to remain open, I must use it within 30 days of notice, XX/XX/2022 or it will be closed. The credit line is XXXX, and the balance is XXXX. I am a XXXX citizen with good credit history and I don't want to close the account that will reduce my credit availability. I have never heard of such a credit card request. Please advise me. Thank you in advance for your assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94582
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXX Fraudulent use of my Barclays XXXX Mastercard which has been entirely in my possession and not used for a year. XX/XX/XXXX Phone call dispute of charges with Barclay. Assured that Barclay XXXX Mastercard will reverse the charges and that I am not responsible for late payment of fraudulent changes XX/XX/XXXX Barclay Mastercard Annual Credit Fee charge XX/XX/XXXX Payment of Annual Credit Card Fee Barclay XXXX Mastercard reverses fraudulent charges BUT Barclay reports ( erroneous ) late payment with XXXX XXXX XXXX, lowering my credit score XXXX points XXXX XXXX Several calls to Barclay XXXX Mastercard fail to resolve this credit reporting issue Consumer reports issue with Barclay XXXX Mastercard to XXXX and awaits response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78704
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: 1. On XX/XX/2022 I received an email from Barclays ( XXXX XXXX XXXX XXXX ) saying that my credit score had changed. I was shocked to see that my XXXX score had dropped about XXXX points from XXXX to XXXX. 2. Prior to this I had never received any notification or statements by either mail or email letting me know that I had any amount due on this credit card. 3. On XX/XX/2022 I called the credit card company. The representative said I should send a dispute letter to FCRA. 4.On XX/XX/2022 I called Barclay again and asked for a supervisor. He claimed not to be able to do anything. But said I should file a dispute. 6. On XX/XX/2022 I called XXXX. They also said I should go ahead and file a dispute with FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 134XX
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A