Date Received: 2023-12-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: The store credit card is with Barclay 's Bank/Old Navy . The account was opened on XX/XX/XXXX. It is now a closed account. Barclay 's Bank is reporting a past due amount from XX/XX/XXXX until XX/XX/XXXX but the account is now closed. I called them on XX/XX/XXXX and asked them about payment arrangements. They never sent me anything in the mail in regards to our conversation back in XX/XX/XXXX. I also sent them a goodwill letter on XX/XX/XXXX. I heard nothing back from them so I called them to ask about the goodwill letter I sent them. They told me they never received the letter and asked me what address I sent it to. I gave them the address I sent the goodwill letter to and they told me the address was wrong. However, I got the address directly from Barclay 's Bank website.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 131XX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Consumer reports list a hard inquiry for Barclays Bank Delaware dated XX/XX/. No disclosures were provided to inform of this hard inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48326
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " 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. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: A woman called me and told me that there was a judgment against me and that I had to pay some debt for Barclaycard. I did have an account with Barclay card but I settled that with a collections company several years ago. She says shes from a legal group called XXXX XXXX XXXX and sent me an email with a link so that I could accept the judgment that she claims there is against me. She was called almost every day over the last week and has left several messages. She called me from a local number first and then gave me a XXXX number to call her back at. I did not call back. She had the last four of my social and my old address when she called.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I opened a card with Old Navy through BARCLAYS in XX/XX/XXXX, and today XX/XX/XXXX of XXXX. I called them to ask about my account because I was under the impression that it was closed because I had paid the balance over a year ago when speaking with them, they said they had no record of statements, and that my account had been charged off to XXXX XXXX XXXX During this time I had never received any communication through Old Navy about my credit card or about my statements or my debt. Or notification that my account was being charged off. I didnt know that debt existed. XXXX XXXX XXXX. they gave me the phone number and I contacted XXXX when speaking with their sergeant. This was the first time they had ever spoken with me. They had no statement records and had never contacted me to verify debt. I explained to them that they had never contacted me and they looked over my account and had confirmed that they had never contacted me or had never received a statement. They did not have my address email or phone number after speaking with them, they put a dispute in with their team, but my account was at XXXX dollars, Ive never been verified about this debt or communicated about it with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am requesting the removal of unauthorized credit report inquiries from my credit report. I noticed the unauthorized inquiries listed below after receiving a copy of my credit report on XX/XX/2023 Barclays bank XXXX XXXX Kindly investigate my claim per the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible. Thank you for your assistance. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 776XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Barclays Card JetBlue Card XXXX The only reason I signed up for this card was during the booking of a JetBlue flight on XX/XX/2023. During the ticket purchasing, there was an option to apply for credit card and receive a {$200.00} credit on the flight I was purchasing. In the process of doing this, the Barclay/JetBlue site crashed. I ended up booking the flight and getting the credit card BUT the flight was not charged to this new BarclayCard. I immediately called back to BarclayCard and they said there was nothing they could do. Out of time, I just gave up in frustration, but the representative told me not to worry that I could get the {$200.00} by spending anytime on the card. Although I can not verify this, the representative acknowledged the crash on the website- it was down for XXXX minutes or so. Several months go by, I am charged the {$100.00} annual fee. As the end of year approached, this card has now COST me {$100.00}. I try to get back some semblance of value from this card but I was told that the {$200.00} would need to be used within the first 90 days. Well, first off, I was TRYING to use in the first 90 days by booking the flight. BarclayCard should have been able to rectify this issue. Second, I was never informed that there was a 90 day limit. I would have simply cancelled card at the time of purchase.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94611
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In XXXX XXXX 2023 I closed my previous business account. At this time with Barclay Bank, I had a revolving credit line of {$26000.00}. As someone who has relied on automatic payments for over a decade, this one slipped through the cracks. Apparently for two months Barclays charged me late fees and returned payment fees. This affected my credit score by about 100+ points. Ive always had excellent credit score. It was not my intention nor willingness, but quite frankly Barclays not sending me any regular usps mail notifications of this. Instead, they lowered my credit to XXXX XXXX XXXX XXXX XXXX. When I realized that I had not updated my bank information for them to receive the automatic payments I called them and they investigated. Since Ive been a loyal customer for many years they reinstated my credit limit to {$26000.00} in XXXX. Summer is a very busy month for my Business and unfortunately due to an error which was caused by my assistant who did not keep me posted, I suggested immense credit loss. Barclays said theyd report to the agency so I can get my credit score repaired but we are in XXXX 2023 and still at a fair rating. I expected Barclays to take a more proactive approach but now I realize I must File this complaint. Thank you in advance for helping me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90027
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Good Afternoon, By way of introduction, my name is XXXX XXXX. I am a XXXX plus year XXXX in the credit and banking industry. I have carried a credit score of over 700 until relatively recently. My credit score has plummeted to less than 600 even though I pay my bills. Over a 30 or so year credit reporting history, I have been 90 days on XXXX accounts XXXX years ago, and I have had maybe 4, 30 days over the past 2 years or so. The issue I have is that, even though i am paying, the credit card companies have lowered my limits. This in turn increases my utilization which in turn lowers my credit score. When one company does it, the others follow by lowering my limits to the balance owed. By doing so, the credit card companies are able to charge me the highest rates allowed by law while simultaneously limiting me in obtaining a consolidation loan or a credit card with a high enough limit to pay off others. Because of a recent divorce, XXXX sons in college, and my work in the turbulent mortgage industry, I have used my cards more over the past 3 years, I carry about XXXX in credit card debt, more than I would like but manageable. I had hoped to get these consolidated but because my score is so low, I can not. In addition, when I review my score, the advice I get is to " open another credit card '' This will decrease your utilization rate. that's bad advice! I have talked with several friends and colleagues about this, and the vast majority are experiencing the same thing. Right now, I am trapped, with NO way out. Credit cards are necessary today and can be crucial in tough times. This seems to be a concerted effort to keep the consumer paying the highest rates possible while locking them into keeping the cards because there is no viable option to pay them off. I would ask you to look into the practices of credit card companies to see this and to determine what should be fixed. If not corrected, many consumers will simply give up and stop paying and what are the credit card companies going to do? ruin their credit scores, too late they are already so low it doesn't make a difference. Thus, there will be a huge write-off in the future. my cards are with Barclays, wells, and discover. thank you for your help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/2023, I received notice from XXXX XXXX XXXXXXXX that my credit score had negatively changed. Upon receiving this notice, I reviewed my credit report and noticed that Barclays had shown me XXXX-days delinquent on XXXX of my credit cards. I then went to Barclays ' website to look at my accounts and printout any statements that could shed light on the problem. It turned out that I had made a charge on the card in the amount of {$7.00} in XXXX on an XXXX XXXX flight. However, Barclays had failed to send me any statements or provide electronic notifications. I immediately printed out the missing statements and made payment of the {$7.00} from the XXXX charge. I then contacted Barclays to address the late fees and interest. After discussing the issues, Barclays agreed to remove the late fees and interest charges. However, they wanted me to pay the {$39.00}, which would be credited back on the next statement. I explained that this seem rather unusual and a waste of everyone 's efforts. But the staffer stated it was policy. I requested to speak with a manager, who called me back the next day. After the manager 's review and based on our discussions, it was agreed that I did not need to send any money and the account would show a XXXX balance on the next statement. It was also agreed to restore my credit limit back from {$500.00} to the original {$20000.00}. I requested, and the manager agreed to work with the consumer credit reporting agencies to correct the faulty reporting, to restore my credit rating. I filed dispute notices with the agencies and got the usual response. I have tried to work with Barclays, but just get form letter. The latest letter states that Barclays will advise the consumer credit reporting agencies that I dispute the information that Barclays provided. However, they have not given any indication that the manager or anyone from Barclays is make an effort to correct the faulty reporting and get my credit rating restored.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45371
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A