Date Received: 2022-02-24
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 have had my XXXX card awhile and did not have any complaints until someone made a fraudulent charge on my card on XX/XX/2021 at the time of XXXX EST, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC in the amount of {$640.00}. After realizing the transaction had been made on my statement, I contacted XXXX XXXX fraud department and explained that I did not make the charge. They followed up and said that the charge was made in person using my card. My card was never out of my possession and the charge was made in a pawn shop in a location that I have never been close to, much less inside of the store. They ran an investigation and replied that I would have to prove that I did not make the charge. So under my own expense and time, I was able to show a bank 's video of me and a copy of the transaction I was completing taking place, one hour and 23 minutes before the supposed transaction in the pawn shop took place, which was four hours away, by car, from the bank in XXXX, NC. I supplied all of this information to the fraud department, including pictures and timeframe stamps from the bank, only to receive a letter yesterday stating that my fraud claim has been denied and that I am still responsible for the fraudulent charge, including late fees and charges. I wonder what their process was to determine how the pawn shop was able to use my card that was in my possession.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28147
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I spotted some discrepancies between reality and what happened in such credit report. Being said that, I did not apply for a Barclays credit card in the last 6 months. So Barclays Inquiry on XX/XX/2022 is not resulting from my personal action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 763XX
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I refinanced my home in XX/XX/2022. I decided to pay off my credit cards. Bank A is Barclays Bank. The title company mailed me a copy of my motorized loan docs along with a check made out to Bank A for the amount of XXXX. I mailed out the check along with a note to apply the check a mount to my Ban k A Credit card account. After a week I went onto Bank A website and noticed that my account had not been credited. I called my loan officer. He called me back telling me that the check cleared - the title company has a copy of both the front and back of the check. He sent me copies of the check. He also gave me the date and time the check was received and processed. I called Bank A s customer service.After talking to numerous people I opened a CASE regarding this issue of loss of payment and applying the deposit to my my credit card account. I was told they will look into it and that I must pay the min each month until this case is resolved. Also I was told this will be resolved within 2 to 3 business cycles
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Barclays has stolen money from me.After I made my last payment of 400 they let transactions go through totaling XXXX and are making me pay for it. This is unacceptable behavior. This is a way your company can keep a balance on a card so I have to keep paying
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85226
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a phonecall on XXXX from a collection Agency alleged that I oye a bank money from a card that I didn't know even existen. When I call them they give me XXXX different scenarios from Barclay bank. XXXX. That I was the only person in the account XXXX. That I was the principal and that my ex partner was authorised XXXX. That he was then principal and tas he went in bankrupcy I had to pay. I contacted several times the bank to find out what really happened and all they give me are XXXX different scenarios. Also told me once I wasn't RESPONSIBLE for this at all and that this was a fraud made by someone else. I didn't know about this card and didn't nade any charges. The cards statements and all where sended to a PO ox not related to me but to my ex partner and his wife. My ex partner we where separated 12 years ago I never asked or authorise no one to use or received ever a credit card from this bank Barclay 's sended cards and statements when this account was already canceled by me.. also send cards and renovations .... someone call them and even changed the adressnon file as the adress they give me wasn't mine The account I don't even have a number for ... all I know is my info is there associated. I receive the first letter from the. On XX/XX/XXXX stating that I will need to pay .. and that I'm responsible for something I didn't authorise. How they investigate in a day as I oppened the fraud claim the same day the letter is endorsed... they should've investigated the adress and also the bank account who was making all the payment for all those years .. that credit card was used by the person who used it as if it was his hers .... The charges where not mine also Someone ese who I didn't authorise use this and also payed the credit card .. not me The unauthorized person is XXXX XXXX XXXX XXXX my ex partner and his phone number is XXXX XXXX XXXX he was using without my consent this cc and also I wasn't aware even of the existence of this credit card. I file a fraude claim and they told me that they conclude that I was RESPONSIBLE and the charges where made by me or someone who had the AUTHORITY to made the charges. This is not true. I have never had a credit card with this bank ever .. also the adress on file that they where giving the supposed credit card wasn't mine I found this was my ex partner adress.. How did this person or bank has and credit card using for over 12 years without consent .... They send me this first ever letter on XX/XX/XXXX ... to the adress I have been living for the past 12 years with my actual husband. This is the first time this bank ever write to me or contact me. Please help me as this situation is horrible and I'm not going to pay for something I have not use that is not mine and the bank is the only one RESPONSIBLE for all this. If you see all my accounts are and has always be in good standing ... payed on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX Bank Barclay 's Phone pf investigation dept XXXX XXXX XXXX Credit supposed to be since XXXX until now and the amount is XXXX, XXXX dollars
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 00777
Submitted Via: Web
Date Sent: 2022-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Someone called from XXXX Knows my address and social number trying to collect on a discharged bankruptcy debt past 15 years ago. Fraud debt collection agency
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80017
Submitted Via: Web
Date Sent: 2022-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My credit card information was stolen while traveling in XXXX XXXX, Mexico. I called Barclay to notify them that my card information was stolen from my Barclay XXXX XXXX Mastercard. I notified them of all the specific charges I disputed. I spent several hours with them on the phone over XXXX separate occasions. They initially informed me that my fraud dispute was denied and that I first had to attempt to dispute the charge with the merchant. However, the business in question is not a merchant but a chip payment processor in XXXX called XXXX, which is similar to XXXX in the Unite States. I contacted XXXX to dispute charges but they ignored me. I called Barclay again and they said fraud department was investigating and they could not provide me any other information. I called once more and they said the same thing. It became clear that I was just being given the run around and nothing was being done by Barclay. It has been several months and I have not received a further response. The main charges in question are as follows : XX/XX/21 XXXX XXXX XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90731
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In XX/XX/2017 after being adjudicated in XXXX XXXX in XXXX XXXX, Florida, case # XXXX to maximize all available credit balances on my credit cards to pay my ex-wife 's attorney to hire a forensic accountant to go over 5 years of my books and taxes, which he had for almost a year to do., my Barclays Card ending in XXXX was maxed at {$7700.00} and the combined interest on XXXX credit cards was dragging me under. At that point I was still obligated to pay gap alimony of {$500.00} per week, so I had to call all my creditors to work out plans. Barclays was the hardest and worst to work with, I made 4 years of on time, consecutive payments from XXXX, but some XXXX XXXX XXXXXXXX ( prior to the account being 30 days in arrears ) said they would settle for {$1000.00} per month in interest payments for 5 months. At that point I didn't want to settle nor could I pay {$1000.00} per month in interest, that is why I was in the problem. Others helped, Barclays didn't and haven't wanted to settle for the past 4 years, just to keep this on the Reporting Agencies Files of mine as a punishment of some sort, which is unfair. Last week I called and talked with someone in Back office collections, XXXX, who was helpful, I told her the last people in her company I tried to settle with, pretty much laughed, told me to call back in a week, the special XXXX XXXX XXXX would let me know if they will do a settlement and how much. I let her know based on others that have settled with them, they write it off and settle for about 20 % of the debt, In this case, Barclays has my high balance of {$7700.00} reported, has a balance of {$8200.00} but won't tell me how that number comes to be my amount, yet they wrote off just under {$7200.00} off their books? Which number is accurate? Today I called to see what the XXXX XXXX XXXX XXXX came up with, I had to call XXXX, The Phippipines before I got collector XXXX, XXXX who I could tell was new, said the XXXX is offering a 45 % settlement on what they are calling their balance of {$8200.00}. Yet they wrote off almost double that at $ XXXX? I still don't know the " real '' figures? I told them several times what I had ( {$2000.00} ) and what I could do, I asked why they were given me a 45 % settlement figure on a balance that is more that what they are reporting on the credit card accounts. I can now see WHY they have a XXXX review rating out of XXXX for over 10,000 un happy customers, it's because of their unethical collections and reporting practices, which severely violates every rule of credit collections and reporting. I have disputed this account by phone, online, in writing and via a complaint through this consumer protection agency. I need it kicked up to the Federal Trade Commission as these people are " crooked '' hiding behind a corporate veil! I need some action done on this very large organization, otherwise they continue to treat consumers unfairly taking advantage of people in financial trouble. Sincerely, XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX we flew from XXXX to XXXX XXXX. While on board XXXX was advertising their XXXX XXXX. We were very specifically told that the {$99.00} annual fee was waived for the first year. The flight attendant told said " I do this promotion myself every year because you literally get XXXX miles for just buying a cup of coffee. I've since noticed that I was charged a {$99.00} fee and when attempting to contact them on XX/XX/XXXX I was told " After reviewing, our records do not show that the annual fee will be waived for the first year. '' On top of this, they linked the wrong frequent traveler account to the credit card and are telling me it will be another 1-2 months before I see the reward miles.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43016
Submitted Via: Web
Date Sent: 2022-03-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: In XXXX of XXXX my credit limit was {$14000.00} with 0-5 % usage at a time. In XX/XX/XXXX my credit limit was decreased to {$1600.00}. There has been no history of late payments with the account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A