Date Received: 2022-01-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I requested a credit line increase on my existing credit card with Barclays Bank Delaware. I was never told that such a request would result in a " hard inquiry '' on my credit report. However, such a hard inquiry was in fact completed by Barclays Bank Delaware. I requested Barclays Bank Delaware reverse the hard inquiry, but they refused.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92130
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-30
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: I was notified by email on XX/XX/XXXX by the XXXX XXXX XXXX XXXX XXXX company that there were suspected fraudulent charges on my credit card account. Upon checking my account quickly I saw close to {$1000.00} worth of charges made between the dates of XXXX on my account. These charges were being made at several different merchants of which I never shop/spend money at all while I was in Arizona with my family. I spoke to XXXX on XX/XX/XXXX, went through each of the fraudulent charges with a representative. I was told the charges would be temporarily removed from my account and things would be handled/investigated. At the time of this phone call I was unsure whether or not the credit card was in my possession or not, but I did have the information for the card stored in my phone to make purchases. The card was of course cancelled during my initial call with XXXX and a new card was mailed to me. The next month when my statement was sent to me, the fraudulent charges were on the statement. I called XXXX and spent an hour and a half being transferred to over 5 agents trying to get help for this. The final person I spoke with assured me these charges would be removed and apologized for the trouble. My account was clear when I paid my bill XX/XX/XXXX for {$160.00} and this week my newest statement yet again had the past fraudulent charges on it. I also received a letter this week from XXXX after being away for work traveling telling me their investigation determined the activity they had alerted me to as being fraudulent, and that I confirmed as being fraudulent, had been determined by them as " valid ''. On XX/XX/XXXX I called the company for the third time once I opened my emailed statement with these charges on it yet again, spent over an hour speaking to them regarding every charge, yet again, and was told these charges were being removed. The man I spoke with on the phone never mentioned anything regarding the investigation the company had done and the first I have heard about this came from the letter I opened after getting home today. I investigated some of the fraudulent charges myself and found that two of the many charges were made in store at a XXXX an hour and a half from my home on a video game console, blue tooth headphones, video games, etc. If these purchases were made in store, I would believe this XXXX branch would have security footage of the person making the purchases. After reading the letter from XXXX I have reached out yet again via their " secure messaging '' portal inside my account an hour ago to dispute these charges and questioned how their investigation dept. came to the conclusion the fraudulent charges were valid. I have spent hours and hours on the phone with this company between XX/XX/XXXX and now. I now have late fees and interest charges on the fraud charges due to being told the charges were being handled each time I've contacted the company and then the opposite occurring. I am willing to gather any information or evidence regarding these charges in order to be cleared. I am desperate for help as any time I try to contact the XXXX XXXX XXXX XXXX customer service I can never get anywhere.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 81301
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
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: BRCLYSBANKDE is reporting on my personal credit file. This account is not charged to me. My record shows that this account was Paid as agreed and Balance is 0. Please delete this account immediately. ( BRCLYSBANKDE XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-30
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I have a Barclaycard US credit card which has monthly payment due date of the XXXX. I paid my XX/XX/XXXX payment for this card on XXXX XX/XX/XXXX. I was nonetheless flagged as past due for this payment. Customer service informed me that their computerized system generated its billing on the XXXX of the month, therefore my XXXX XX/XX/XXXX payment was applied toward the balance of the account by not to the XX/XX/XXXX billing. I was informed that I am therefore expected to pay a double bill for XX/XX/XXXX and XX/XX/XXXX despite having already paid the former. My request that this payment be reapplied was denied. I have always paid my bill well before the XXXX of the month in which it is due but after XXXX in the month in which it is paid to avoid confusions. I find Barclay 's position unreasonable and unacceptable, and believe that having paid my bill in advance of its due date Barclaycard US should accept it as such. I have also informed the company 's representative that I will be making no further payments until they do so. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10455
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: This regards an XXXX XXXX XXXX issued by XXXX and their failure to address 263 charges of {$20.00} each made toXX/XX/XXXX, which I did not make, over a 2-day period in XX/XX/XXXX. I first noticed these charges, totaling around {$5000.00}, on or near XX/XX/XXXX and calledXX/XX/XXXX customer service immediately. I have never been toXX/XX/XXXXand never visited XX/XX/XXXX online. I did not make these charges. I was told a " case '' was opened and that this would all be addressed. A new card was issued to me. A few weeks later, I noticed that these charges were ALL posted to my NEW credit card ( dates of posting were between XX/XX/XXXX and XX/XX/XXXX ). Again I called and was told this was a " mistake '' and that another new card would be issued to me. I was issued a new card and have never activated it, never used it. However, as I kept checking my account online, the XX/XX/XXXX charges were not disappearing and showing up as balance owed ( with interest accruing ). I called again to complain and was told a case had " not been properly filed '' but that it would now be done, and I shouldn't worry. I also began sending messages through the online portal on my XX/XX/XXXX account. After >50 messages sent, not even one has ever been responded to. Now, as recently as XX/XX/XXXX, about 75 % of the XX/XX/XXXXcharges from XX/XX/XXXX and XX/XX/XXXX were posted to my second new card. This is the card I HAVE NEVER USED NOR ACTIVATED. Today ( XX/XX/XXXX ) I called yet again to complain and was told AGAIN that a case had not been " properly '' opened. It has now been >90 days. My credit card balance remains around {$4000.00} from charges I never incurred. Interest is accruing. A XXXX payment is due. My credit score will undoubtedly be affected. I have a daughter in college and am taking out loans for her. This may not be a serious situation to XXXX, but it is dire to me. The US Federal Trade Commission is my last step before considering private legal action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2022-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/2022 ( or XX/XX/2022 per Barclay 's ) - called to request a check for the credit balance on file of roughly {$2800.00} +/- and was told it would be processed after five days due to a payment that had just been made and to allow 7-10 days after that. Then XX/XX/2022 ( or XX/XX/2022 per Barclay 's ) - called to inquire about the check for the credit balance, now at {$2600.00}, and they said it had not been processed and again to allow 7-10 business days to receive it. And now on XX/XX/2022 - called to inquire about the check for the credit balance, now at {$2500.00}, and again it had not been processed and to allow 7-10 business days again for receipt. I closed the account and was assured by a manager that the check is now being processed, after 42 minutes on the phone call. This is unacceptable!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06473
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
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: on XX/XX/XXXX made an online purchase for a watch from a online merchant. i made the purchase but then tried to cancel 1 hour later because the online address was not to be found,, i couldnt email or phone the merchant there were no options to do that. i called the credit card company immediatly and told them my story and they said they would reverse the charge no problem ... than they said they couldnt i would have to file a dispute. I did that they gave me temporary credit and than as of XX/XX/XXXX they rebilled me and said they have proof of delivery of the merchandise? i never received any such merchandise and i checked the tracking number the credit card company sent me and i called XXXX and the tracking number is invalid and never had any such delivery. The credit card company is reinvestigating the merchant but will not give me temporary credit until they validate the merchant which there is no merchant available to contact .They will not give me any info as to whether or not they have any contact info like a phone number or an email addresss and they are not giving me a straight answer.. In conclusion they are running me around and not giving me me credit refund. they are fully liable i called them immediatly after purchasing the item and told them it was a scam site!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11727
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I called Barclays earlier this month to at least, change the credit card from Wyndham to a different card they offer like XXXX XXXX XXXX or the XXXX XXXX XXXX they offered, but was told no my the representative. This contradicts what I was told by XXXX XXXX in early XXXX, when this all started. I asked, at least, if im stuck with a credit card I was lied about apply for, could I change it to some other credit card barclays offers. I was told yes to some degree. Then I recieve ANOTHER response today, of Barclays telling me that I'm XXXX because I already added a bill to said credit card, so I clearly didn't want it removed and would not honor my request. The only reason I gave up on even getting the card removed ( by barclays, on their end, not by me ) because I was told by reps that wasn't possible. THEN i tried to make it better for my whole situation by at least using the line of credit to help my own score by adding a small bill to pay off every month. Only for this to some how be used as evidence for all the more reason for mt complaint to be ignored. My complaint is now, that customer service will lie to you. That people from the " Office of the President '' will ignore your emails and also lie to you, and then use your responses to lies against you. That timeshare reps will lie to you, and tell you, you need to sign these documents to prove that you will not come to Wyndham time shares anymore, and then pull your credit. Then tell people at the Offfice of the President that they actually don't say that, when I know several people who have had the same thing happen to them. My boyfriend and I saved up a lot of money for a trip to XXXX. We got covid tests, isolated and were excited to go. We didn't expect to come home and a week later for our credit scores to plummet, and ruin ( his more than mine ) our chances at making any big purchases any time soon.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: After a call about faulty autopay features and a hopeful resolution, the company once again disabled my autopay and a {$30.00} total balance accrued a 70 dollars in late fees without any notice. I believed the entire card was paid off but only got notice after two billing cycles that there was a problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I refinanced my home and elected to use some of the equity I pulled out to pay down/off a credit card I have with Barclays Bank XXXX The title company title365 sent me a check in the amount of {$4400.00} to send to Barclays. One XX/XX/XXXX I mailed them said check. This was not the only company I did this with, so about a month later all of the other checks I mailed except for the one sent to Barclays had been applied to the respective accounts. I called Barclays on XX/XX/XXXX to inquire where my payment was and why it had not been applied. They said they would research and figure out what is going on and let me know within 7-10 business days. I subsequently called Title365 ( on XXXX XX/XX/XXXX ) to check to see if their check had been cashed, and they informed me that it had cleared as of XX/XX/XXXX. I then reached back out to Barclays to inquire about the status of my check being applied to my account, they said they had not found it yet, but they would escalate my case and gave me the case number of XXXX to track all of the activity. It is now XX/XX/XXXX and I called again today seeing that my payment still has not been aplied to my account with another " wait XXXX to 5 days '' and you can call back. I am blown away that a company whom I have spent a ton of money with over the past several years is soooo slow and incompetent. Any help that can be provided in resolving this case would be greatly appreciated. I let the representative I spoke to today ( XXXX a supervisor ) know that I would be contacting the CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A