Date Received: 2022-02-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I called and talked with a representative in XX/XX/2020. I asked to be put on the forbearance when COVID hit. They assured me that I would not be marked late and that it would not report negatively on my credit report. I have contacted Barclays in XX/XX/2020 and they refunded me from the Late Payment fee they accidentally charged me but did not change on my credit report that I have never been late on any payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: To whom it may concern, Thank you for taking my letter. This is in response to an offer I received from Barclays/XXXX Visa card XXXX ending in XXXX. I received an offer that would give me a {$100.00} statement credit upon my first purchase. I made that purchase but did not receive the statement credit. I called Barclays and was told it would be on my next statement. This did not happen. Thus far, there have been a total of 6 calls, 3 case numbers established, and at least twice I was told I would receive a response back. Note : On my credit card statement, knowing that I was to receive a {$100.00} statement credit, I paid the statement in full, but less the {$100.00} owed to me. That what this whole issue is about : the remaining {$100.00} on the statement. My first call to Barclays was on XX/XX/XXXX My second call was on XX/XX/XXXX My third call was on XX/XX/XXXX My fourth call was on XX/XX/XXXX XXXX My fifth call was on XX/XX/XXXX My sixth call was on XX/XX/XXXX On the fifth call, I was told that Barclays had no record of any promotion sent to me, even after I gave them the promo code AND the personal ID code. They then asked me to send them the promo letter, which I did. In the meantime, I have been receiving emails and phone calls harassing me about making payments. After I sent them a copy of the promo letter, I continued to receive emails and phone calls. I called them again ( the sixth time ). They informed me that they did in fact receive the promo letter and the case was the still " in process. It is now XX/XX/XXXX, and I received yet another letter from Barclays that " they determined that I no longer intend or can not afford to make contractural payments to XXXX Rewards Visa. This is absolutely NOT true! My credit score is in the high 700 's, I pay all of my bills on time and NEVER leave a balance. In addition to the above I am concerned that this letter may be a prelude to changing my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Had challenges signing on into the accounts. Had to try over and over and over before the system would let me in even though the correct username and password was being used. Also on XXXX, XX/XX/2022, twice I called regarding the promotional offer of 3.99 % on all new purchases including online purchases through XX/XX/2022. Not one customer service person saw this offer. No one attempted to locate this offer. I would activate it over and over without success. At first I was told the offer had expired. XXXX would not transfer the call to see what had happened to the officer that would expire on XX/XX/2022, if I did not accept. Since opened this account I have been cheated out of these promotional offers. My concern is whether or not I am being mislead and deliberately denied the promotional offers that have been made to me. The Corporate office is very rude and refuses to talk to me ; so I have to file this complaint once again. There is a very ugly pattern here that may have to be addressed via other means against Barclays Delaware Bank. It appears to be a very common practice to send me these offers and yet fail to allow me to activate and enjoy these offers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I was not notified of a credit limit decrease before it happened. No advance adequate notice was given. The company substantially decreased my limit to point where the utilization on the card shot up to over 85 %. Which means this company is artificially manipulating my credit account, credit score, credit-worthiness, and credit report. This is done in order to drop my score to increase my rates and fees banks and other card issuers can charge. this is illegal and a violation of congressional law. This is " unauthorized use '' as defined under 15 USC 1602 ( p ). This is identity theft. They used my card to manipulate my balance and the interest they can charge, they are NOT the cardholder, they do NOT have actual, implied, or apparent authority for such use and from which I, the cardholder received no benefit. They provide a service for a fee, they are not the original creditor, I am, they are not my agent. I am my own agent. I, the cardholder, received no benefit. In fact, this unauthorized use is to my detriment, as it is causing XXXX XXXX, and significant damage to my reputation and credit score, credit-worthiness, and credit report. There have never been any issues with this account. Nothing in my account history with this card warrants such a decrease. The limit was decreased within a few days of receiving an on-time payment. There are no verified public records or collections on my report, which was one of the key factors the customer service representative told me that my limit was decreased. When speaking with the customer service representative I was not given a numerical credit score as defined in 15 USC 1681g ( f ) ( 2 ) ( A ), as this company took an adverse action against me based in whole or in part on any information they received in a consumer report. I did not authorize the inquiry that provided the report. The customer service representative told me XXXX furnished the report. I don't know how or why, when there are currently multiple accounts under dispute and under investigation ; they shouldn't be providing anyone with reports. Last month I tried to pull my own report through XXXX and could not pull XXXX because of disputes and investigations. So how is a card company able to pull my consumer report and I can not? Not only that, but then take an adverse action based on unverified information?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60634
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On or before XX/XX/2021 I entered into a consumer credit transaction by submitting an application with barclays for an extension of credit for my personal, family and household use in which they denied my right to credit and the account that they hold with that application is evidenced with the negative inquiry through transunion they furnished on my consumer report in which I did not give my consent or authorize them to do. Within that application I entered my name, address, phone number, email and my social security number and pursuant to 15 U.S.C. 1602 ( L ) is my credit card. I signed the application electronically which gave it value and I did not receive equal consideration for that asset I submitted to barclays. The constitution states that no personal/private information shall be taken for public use without just compensation. Barclays used my social security number which is my credit card pursuant to 15 U.S.C. 1602 ( L ) to establish an account in which I am the holder and beneficiary of and I received no benefit from the transaction. Congress clearly states that the transaction is " unauthorized use '' pursuant to 15 U.S.C. 1602 ( p ). Barclays is now criminally liable for willful and knowing violations pursuant to 15 U.S.C. 1611 and I will seek litigation for said violations if this issue is not rectified. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. Silence is Acquiescence, Agreement and Dishonor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I am not swayed that XXXX has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both XXXX and the creditor. Make sure to explain the outcome of your investigation about this account with BARCLAYS BANK DELAWARE XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was discriminated against and denied an extension of My Own Credit initially on XX/XX/XXXX. After contacting the reconsideration phone number requesting to speak to a loan manager of Barclays Bank XXXX Delaware on XX/XX/XXXX via a telephone conversation I spoke to a operator name XXXX XXXX who then transferred me to a XXXX what the operator ID of ( XXXX XXXX XXXX XXXX y p ) XXXX refuse to give me his last name, then proceeded to tell me Miss information and refer to this Consumer Financial Protection Bureau as an agency and not a bureau with limited power to do anything about the situation. He continued to tell me he could only follow the instructions of a algorithm and I needed to file a complaint with the consumer reporting agency XXXX. Our phone conversation was recorded recorded on both ends if needed for reference. Barclays Bank XXXX Delaware is civilly liable for discriminating against me as well as refusing to remove a hard inquiry on my Consumer Report. I know who I am as the original creditor and consumer and I should have never been denied an extension of My Own Credit and due to the negligent actions I have been discriminated against. I informed the operator XXXX pursuant to15 USC 1691 it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. Pursuant to 15 u.s.c. 1602 G the term creditor refers only to a person who both regularly extends, weather in connection with loans, sales of property, or services, or otherwise Consumer Credit. 15 u.s.c. 1602 J the terms opened and credit plan and open end Consumer Credit plan I mean a plan under which the Creditor reasonably contemplates repeated transactions. 15 u.s.c. 1602 l the term credit card means any card, plate, coupon or other credit device existing for the purpose of obtaining money, property, labor or service on credit. Any consumer transaction that requires the use of a social security number / credit card pursuant to 15 u.s.c. 1602 l which is connected to a trust account within the Federal Reserve, the lender Barclays Bank XXXX Delaware used my open and planned / open in consumer credit plan pursuant to 15 u.s.c. 1602 J, which is the social security number to receive the consideration Money / credit. That is why I am the original creditor and not the borrower the lender then loans the money back to me the original creditor / consumer. The term borrower is never mentioned in any of these acts therefore none of the laws to protect the consumer, the term borrower is never used and I'm not the borrower I am the original creditor /consumer Pursuant to 15 USC 1691 1 states if such inquiry is for the purpose of ascertaining the creditors rights and remedies applicable to the particular extension of credit and to discriminate and determination of credit worthiness. I know who I am as the original creditor in consumer and I should have never been denied an extension of my own credit. After contacting the reconsideration telephone number and being discriminated against after clearly stating the laws the operator XXXX this company has caused me mental anguish and financial entry for us well for non-compliance. I
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21229
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
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: In early XX/XX/2021, I was charged twice for the same car rental. XXXX charged me {$260.00} on XX/XX/2021. XXXX also sent a receipt. XXXX charged me {$270.00} on XX/XX/2021 ( posted XX/XX/2021 ). I did not receive a receipt from XXXX for this. During the booking process, I believe that XXXX referred me to XXXX, but I never saw the name XXXX until I received this duplicate charge. I e-mailed XXXX on XX/XX/2021 and they said that if we received extra charges, we must have opted for extra items. But we didn't pick up the car until XX/XX/XXXX, so we couldn't have opted for extra items by XX/XX/2021. I also have a receipt from XXXX ( the actual car rental company ) showing no incidental charges before or after the car drop-off. I have searched my e-mail inbox and spam folder for any receipt from XXXX or a receipt in the amount of {$270.00}. I contacted Barclarys credit card to dispute the XXXX charge in XX/XX/2021. The XXXX ID is XXXX. In response to their inquiriy, I e-mailed copies of the receipts from XXXX and XXXX to Barclays. I have provided all of this information in writing, by e-mail. I have no more information to provide. Barclays sent a letter dated XX/XX/2021. They say they need more information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
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: The level of incompetence from this financial institutions is unfathomable. I have spent hours upon hours on the phone for months with various customer service reps. trying to rectify matters after multiple fraudulent activity on my account occurred for a second time ( all from the same merchant ) .I paid off the balance for charges that I made in XXXX of XXXX. The first fraudulent activity occur in the summer of XXXX, but was resolved. The card number was changed and I locked the account immediately. However, I received a statement with additional fraudulent from XXXX in XXXX of XXXX, that I immediate filed a report with XXXX. XXXX reps. acknowledge that it is fraud and kept saying not to worry because they are aware of the situation and are working on resolving the matter. One rep. advised me to close the account, which I would be happy to do once the matter is resolved. The late fees have been removed for the past 2 billing cycles while they claim to be working on resolving the issue, but the credit bureau balance report includes a late fee and fraudulent charges. They made multiple excuses for why I can not speak with a supervisor and have disconnected me many times when I am waiting to speak to a higher up. Of course, they never call back when this occurs. This have been a repeated cycle of frustration since XX/XX/XXXX. However, knowing that this is fraud, that they claim to are behind in addressing claims, and that they told me to do nothing and give them time to correct the problem, did not stop them from reporting me to credit bureaus for non payment. Of course they told me that this will be reversed, but like all of their promises, they have non kept it. I should have never been reported for non-payment due to their negligence. This has dropped my score by more than XXXX points. My last call to XXXX was XX/XX/XXXX. I was promised that this matter would be resolved by XX/XX/XXXX and that I would be contacted by a supervisor as I have requested for months, because the supervisors were too busy to talk to me when I called. I will say that the reps. are polite and apologetic, but I need immediate corrective action not empty promises. I want my excellent credit restored and the fraudulent charges cleared. XXXX practices are unnecessarily and blatantly negligent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33323
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I had a Barclays XXXX Credit Card ending in XXXX that I opened in XXXX and closed in XXXX. I need to file a claim against one of the purchases and I need my full credit card number associated with my purchase. Barclays helped me get the statement associated with the purchase but I am unable to get the card number assigned to me. This will result in a loss of {$3700.00} for me because I can't file the claim. This number was assigned to me and it doesn't make sense that Barclays is unwilling to give me the card number that was my own. I have tried to work with Customer Service but all I hear is that it is not possible. I received the statement but conveniently it doesn't have my 16 digit account number on it. Barclays has also not reported the account numbers to the credit bureaus when all the other banks report the credit card numbers to the credit bureaus. This has put me in a situation that is very problematic for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22182
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A