Date Received: 2022-03-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I checked my credit report today and noticed an inquiry from BARCLAYS BANK DELAWARE that I never made. It was requested on XX/XX/2021. I called the company at ( XXXX ) XXXX to inquire. they checked their system and stated they had no information about that inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 112XX
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
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: Material Fraud - Paid to XXXX, XXXX on XX/XX/2021 - {$12000.00}, XX/XX/2021 - {$12000.00}, XX/XX/2021 - {$7500.00}. The XXXX was paid in full but never showed up to complete the assignment/job. On or around XX/XX/2021, XXXX provided us with a tailored slide deck to describe their services and capabilities to XXXX XXXX XXXX and what they would deliver, namely a fully fleshed out Financial Model, Business Plan, and Investor Presentation, with followup Revision Cycles to bring their draft deliverables to a final. XXXX timeline was slipping but we kept working with them in good faith. Repeated failure by XXXX team members to even show up to meetings that XXXX planned and scheduled with XXXX XXXX ; Failure to provide a semblance of a PPA over the preceding months and months of nondelivery ; Repeated failure by XXXX team members to return increasingly urgent calls, emails and texts from XXXX XXXX trying to get answers as to why the draft document was completely missing a huge part of the core business plan related to the PPA and numerous technical details Failure to provide any final documents within the agreed timeframe and further failure to provide any useful and complete deliverables at all, immediately after our final payment. XXXX and Barclay the merchant was unwilling to work with me to resolve the problem or if you can't come to a compromise with the merchant that leaves you satisfied, the Fair Credit Billing Act and federal law do give you the right to dispute charges for transactions that you're dissatisfied with. I sent in the documentation, but they said they never got the documentation, but I have physical copy of the letter head document outlining the follow attachment below.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20852
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
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 received an email from Barclays saying I was late on my payment. I DO NOT have a Barclays account/card and I have never received any kind of statement ( email or paper ) from them except the one telling me I was late. I called them immediately and had to give information that made me uncomfortable but I wanted to clear up this problem. They sent me a letter saying their fraud department was investigating. That is all I have ever received from them= XXXX email and the letter. NEVER A STATEMENT! They called today to tell me the charges are mine because it was my XXXX!? My husband does not have a Barclays card and I certainly didnt make him an authorized user since I DO NOT HAVE A BARCLAYS CARD! They could not tell me my XXXX name. They said I need to show documentation that I didnt make the charges. How can I do that when Ive never received any kind of statement from them? Please let me known if you need more information to solve this case. Id like to see the statements but I dont know the fraudulent account number so they wont see it to me. It is not right!!! Your help is greatly appreciated!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33418
Submitted Via: Web
Date Sent: 2022-03-18
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: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX still reporting a past due balance on my credit report and the account has been paid and settled. It is against violations to continue to report a past due balance on a charge-off debt that has been paid. In violation of FCRA Section 611 ( 5a ) ( 15 U.S.C section 1681 ) : Treatment of Inaccurate or Unverifiable information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-17
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I had opened a BarclaysXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card last year. I was approved on XX/XX/2021. I only used it once on XX/XX/2021, and had paid my credit charge in full. I gave them my bank account number and routing number and I received a confirmation of the payment. Since then, I stopped using that credit card. Two months later I suddenly see that my credit score dropped XXXX points. I quickly check where I havent paid my debt and all of the sudden see that my Barclays account wasnt paid. I look through all the spam emails I recieve from them and dont see any email saying my payment didnt go through. Only after pressing on the emails it says I have a balance but in reality I paid my balance at full in XXXX. I called them and asked what was wrong, they said I provided the wrong routing number. After checking I saw that I provided them the routing number that I had from my bank, which was a wire routing number and not an ACH one like they wanted. I quickly called my bank and, got the information and payed my debt. I asked the Barclays support why I hadnt receive an email saying my payment didnt go through, they said that it doesnt work like that, you only get an email when your payment is received and later you have to check. So I asked why they didnt notify me through the app like a get a notification when I have a charge of pay my balance. They said it doesnt work like that either. They said they sent me mail saying I didnt pay my balance, but I opted to go paperless and to contact me through email only because I didnt have constant access to my mailbox at the time. Their second excuse was that they tried calling me and I never received a call from them.. They couldve texted me, or sent an email saying my payment hadnt gone through but instead they decided to put me in a position as someone who doesnt pay his debts, even though I have three more credit cards with charges over XXXX XXXX who are always paid on time and in full. The Barclays agent on the phone said that I was right and if I complain they should reimburse me. She event refunded me the late payment fee of XXXX XXXX This has destroyed my ability to build my credit and would really appreciate any help I can get. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2022-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-17
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: I contacted Barclays in XX/XX/2021 when I noticed a small balance on my card that I paid off in full XX/XX/2021. Apparently my card was linked to my soon be ex husbands XXXX account & it was being used as a default payment. I contacted XXXX they were refunding all charges because fraudulent use. Barclays was called & told about this. The problem was that the interest & late fees were making the situation worse. I filed report with XXXX & we called Barclays which we were transferred to 5 different people with no resolution. I felt that my complaint would be easy & everything go away. Barclays continued to report late payments for multiple months & then closed my account. I received a letter from them saying that when they looked that I was responsible for the debit of interest & late fees combining. It is a disgrace that the credit bureaus calling cant get things taken care of. Please let me know if you need anything else from me & I hood you can get this resolved so it will stop negatively impacting my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28376
Submitted Via: Web
Date Sent: 2022-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
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 DELAWARE accounts were reported in my Credit report and I am not aware of the status of getting into charge-off. I have reached out to the agency and the credit bureaus about this issue but I am still waiting for their response longer than I have expected. On top of that, no modes of communication were done to notify me about the issue. The worst thing is that the accounts ' information was incorrect. Please look into the following accounts and verify : BARCLAYS BANK DELAWARE XXXX BARCLAYS BANK DELAWARE XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2024 A credit card payoff was made on my behalf to Barclays Card US in the amount of {$11000.00}. By XX/XX/2024 The payment had not been posted. I contacted Barclay customer service and was informed the payment was never received. I then contacted XXXX XXXX, the party responsible for making the payment ( after a cashback refinance ) and after a little research learned the check had cleared on XXXX and was given a copy of the cancelled check. I called Barclays again with this new information, furnished them with the checks routing number, account number, and check number. I was informed that Barclays assigned a case number to my claim and would investigate but it would take anywhere from 10-30 days for resolution. In follow up messages to Barclays, they now claim it coild be 2-3 billing cycles before this issue could be resolved. This is totally unacceptable in light of the evidence presented to them directly which totally substantiates the claim of the payoff made
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29650
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
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: SCAM ALERT/ Fraudulent merchant We made a purchase online with a merchant named " XXXX XXXX '' in the end it turns out this merchant is a fraud. I will attach documents to this complaint. My issue is I NEVER RECEIVED THE ITEM I PAID FOR. I contacted the credit card company to assist. they initially gave me a credit. after 60 days my credit card company re charged me the original amount. The merchant responded but did not provide proof so my card was recharged. Now the details .... On XX/XX/XXXX we made an online purchase at " XXXX '' website which was operational at the time. We received a confirmation of the order being placed in the amount of {$70.00}, XXXX # XXXX was given. On XX/XX/XXXX we emailed " XXXX '' to get an update on order. we did not receive a response. We waited until XX/XX/XXXX and sent a 2nd request to the email address. Still no response. On XX/XX/XXXX I called Barclays Bank Credit card ( My credit card ) alerting them that i have not been successful in resolving my issue. I explained to Barclays the order was not delivered and I was not able to reach the merchant. Barclays provided me with a temporary credit while reviewing the dispute. On XX/XX/XXXX i called Barclays to ask about the charge on my account for XXXX XXXX for {$70.00} I was told that the merchant provided " Proof '' of my order. Barclays also stated they reached out to me on XX/XX/XXXX. I do not recall any receipt of a call or email on this date. I have reviewed my call log as well as my emails for XX/XX/XXXX. Anyway, I noticed the charge on XX/XX/XXXX. I called Barclays, they stated they attempted to reach out and they stated the charge was being reapplied. I was told i needed to submit a request for an appeal. within a week i received a packet from Barclays with a letter and copies of documents from the merchant. I was told My response had to be returned within 10 days of the date of the letter dated XX/XX/XXXX. I faxed them my response to reopen and reinvestigate on XX/XX/XXXX. The website no longer exists. Barclays put the burden of proof on me. However, the information provided by merchant to Barclays only shows the order was received and paid for. I DO NOT see any proof of shipping/tracking or delivery of the item paid for. I have attached all supporting documents I have which was also provided to Barclays. At this point, I am out money and do not wish to receive the item even if available. I want my money back please. Thank you for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/2022, I contacted Barclay bank regarding my XXXX XXXX Barclay Card, as the " XXXX XXXX '' cards they had sent to me over a period of at least two years were lost. The missing rewards totaled at least {$950.00} in value. They gave me a case number ( XXXX ) and said I could expect to hear from someone within 24 hours and replacing the cards would take 2-3 weeks. No one called. I followed up the following week and was told that the case was being researched, and to wait another 2 weeks. I called again in a couple of week and was told the same thing. Finally, two months later, on XX/XX/XXXX, after two months had passed, I demanded to speak with a supervisor after I was told to wait more. The supervisor informed me that I had to call XXXX directly, even though I have no contract with XXXX. I insisted that it was their responsibility to help me because the rewards is through their company, but she simply apologized and said someone should have told me months ago to call XXXX. She gave me what she assured me ( twice ) was a direct number for the rewards department at XXXX, but it turned out to be a general number. After getting transferred from one person to another at XXXX over the course of 123 minutes, I was told that the request had to come from Barclay card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19027
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A