Date Received: 2022-01-25
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I, XXXX XXXX, entered into a consumer credit transaction with, XXXX XXXX and Barclays bank. A consumer transaction in which a finance charge was involved. 15 USC 1681 ( A ) ( 4 ) under FCRA means the consumer has rights to privacy. in which XXXX XXXX and Barclays Bank failed to provide protection of my rights. Inclusive towards that. The Corporations failed to verify and respond to my accounts over 45 days which also violate my rights of reporting accuracy. I have sent in certified mail which I have receipts from that have yet to be verified also. Companies need to block and delete accounts from credit reports. I asked for signed documents and any validated documents they have and failed to provide. If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.If you were able to conduct a proper investigation of the records for this account send all documents as i believe this is fraud on my credit report. these accounts are not 100 % accurate they reporting late payments. reporting without my consent these accounts are in huge violations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91406
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2021 the attorney handling the refinance of my home sent a check in the amount of {$7400.00} to my Barclay Credit Card ( XXXX XXXX ) to pay it off. I have proof that the check was cashed on XX/XX/2021. The payment has not been applied to my account. I have reached out to Barclay credit cards starting on XX/XX/2021 and have provided them with a copy of the cashed check and everything else they have asked. I have been checking in with them on a weekly basis and have not had any resolution. This was a large payment and I am extremely frustrated that after 5 weeks of trying to have this resolved- I am not any closer. Can you please help me?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33040
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Dear Sir/Madam I opened an account with Barclays ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX of XXXX. The account came with a promotional offer of XXXX skywards points if I had spent {$3000.00} within 90 days of opening. There was also and a tier bump to silver status. All of this for an annual fee of {$99.00}. See Exhibit A. From the opening of the account, I noticed that the Barclays and XXXX accounts would not werent linked. The tier bump and the rewards couldnt be transferred because of this issue, but Barclays had already charged the account the annual fee ( {$99.00} ). I called Barclays right away and was informed that I needed to wait for a billing statement period before the automated system would link both accounts. By XX/XX/XXXX the link never commenced so I informed Barclays and XXXX about the problem XXXX representative didnt know what the promotion was or even what Barclays is and informed me that I would have to get in touch with the bank so they could inform XXXX of the tier change to silver. I called Barclays again and conferenced in with XXXX to resolve the matter. Barclays requested that XXXX send over my XXXX. XXXX informed them that they couldnt send documents over to Barclays. They verbally repeated my XXXX number on the phone and e-mailed me the number and not Barclays. After the conversation I was given a Barclays reference number XXXX and was told by XXXX that they do not have reference numbers but the communications are noted and recorded for references. After several months of waiting and calling XXXX and Barclays ( which I have phone records of ) I received no communication from XXXX even when the representatives said they would get back to me within two ( 2 ) business days. On XX/XX/XXXX, I called Barclays, since XXXX had never returned a call, to ask the status of the situation. I was told that the two accounts had been linked but they didnt know why the rewards were not being transferred over with and why my XXXX tier did not change to XXXX with XXXX. I was again given a Barclays reference number XXXX and was told to wait XXXX ( XXXX ) business days for it to resolve. I again tried calling XXXX and this time XXXX did respond via e-mail stating that they do not have a request from Barclays to link the accounts. See Exhibit B. I forwarded Barclays the e-mail from XXXX and Barclays informed me that this was not true and that they have requested information from XXXX and they were resolving the issue. On XX/XX/XXXX I again called Barclays to request a status update on the matter. The representative informed me that it usually takes 30 business days to resolve the matter. I informed them that I have been waiting since XXXX, the beginning of the account being opened and did not mind another two ( 2 ) weeks but I did want this to be resolved or I would be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). On XX/XX/XXXX I called again Barclays to find out the status and they informed me that they do not have an update on the account and they had lowered my credit line from {$2100.00} to {$800.00}. I informed the representative that since I have been waiting XX/XX/XXXX to have this resolved now I was going to file a complaint with the ( CFPB ). In XXXX of XXXX, I called Barclays to check the status of the issue since it wasnt resolved. They informed me that they have customers with the same issue and they do not yet have a work around. He understood that the problem has been an issue since XXXX of XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11106
Submitted Via: Web
Date Sent: 2022-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I have requested for Barlcays bank to stop using my private information and to delete it from all their records. However, I have discovered that they are still using and sharing my name and social security number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92604
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
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 or about XX/XX/XXXX, I called Barclays, my credit card company, to report a pending purchase for {$390.00} at XXXX that I did not make. They cancelled my credit card and sent me a new one. I heard nothing more until my statement closed on XX/XX/XXXX and the charge was shown as a transaction included on my statement. I called Barclays and they said they determined the charge was a valid charge. I explained again that I didn't make that purchase and was in possession of my credit card the entire time. Barclays suggested that I call XXXX. I called XXXX to report the fraudulent charge on XX/XX/XXXX. Per XXXX, XXXX XXXX is the fraudster and a hockey table was the item purchased on-line, delivered to an address in the state of Ohio, full address not provided. I filed a police report on XX/XX/XXXX. I called both Barclays and XXXX to report the filing of the police report. XXXX took the information without a problem. Barclays only accepts faxes and postal mail as per their protocol. I faxed the police report to Barclays on XX/XX/XXXX from XXXX, incurring a charge of {$4.00}. Between XX/XX/XXXX and XX/XX/XXXX, I have called Barclays and XXXX several times. No one can tell me if XXXX and Barclays are working together to resolve this. I have no idea what is going on as I am constantly told it takes time. It has been over 7 weeks and I still have no resolution. I have been victimized by the person making the fraudulent purchase and daily by XXXX and Barclays as this has taken an enormous amount of time to try to resolve and additional money for the fax services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44256
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
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: Without my knowledge or consent, someone charged {$8800.00} to my XXXX XXXX XXXX XXXX Barclays credit card. When I called Barclays to file a dispute, XX/XX/XXXX immediately after discovering this, Barclays refused to open a dispute. They said they do not do this, first I have to wait 2 weeks and try to resolve my self. XX/XX/XXXX, I attempted to resolve with the business ( I do not know which employee committed the act. ). One manager initially acknowledged a mistake had been made and was going to refund my card. When I went in for credit, a different person was there and threatened me ( I have a witness ). XX/XX/XXXX I submitted a written dispute letter with a case number, to Barclays. Barclays never sent a letter acknowledging the total inn spite of repeated requests for one. XX/XX/XXXX I received a letter, but it had a different case number. In XXXX I did receive a partial credit ( {$3200.00} ) Barclays said there had been no response from the merchant. In XXXX I continued to call asking why a different case number but no one knew. A 3rd number was assigned in XXXX where the representative said she would attach the new file number to the original XX/XX/XXXX letter. I sent several written letters and have attached all evidence in section 3 with specifics and my original dispute letters, proof of on time notice ( Fax company ) and Barclays response. Barclays assigned two more case numbers following the original assigned case number and dispute letter. In XXXX I received notice from Barclays that said I had not filed in time. During all the months I was told the " back office '' was investigating this, I called and checked in and believed Barclays was doing something. Please read my attached detailed chronological list of events. Worse now, is I have to pay interest on a fraudulent charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02138
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Barclay 's Bank says that I have an outstanding bill for {$620.00} on a Jet Blue Plus credit card that I never signed for, authorized, used or owned. I have contacted them several times to explain that the charged amounts were not authorized. The last time I called, I was told that they no longer have my account and it was turned over to a credit collection agency. These are examples of the charges that they say I have incurred : XX/XX/XXXX Standard purchases {$680.00} XX/XX/XXXX Total fees charged in XXXX {$280.00} XX/XX/XXXX Late payment fee {$29.00} XX/XX/XXXX Late payment fee {$40.00} XX/XX/XXXX Late payment fee {$40.00} XX/XX/XXXX Total interest charges XXXX {$33.00} I am XXXX XXXX XXXX and have never had a credit problem. I am finding this situation very difficult to deal with. I truly appreciate any help you can provide. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
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: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I used a 0 % promo check to transfer a balance from a XXXX XXXX over to my JetBlue card by Barclays. When I received the new statement with the transferred balance, the interest rate was 24 % and a transaction fee. I was aware of the fee but not the rate. I continue to receive 0 % checks from JetBlue/Barclays almost every month, so I would like that promo applied to my balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
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 am requesting your help with what started as a small problem, but has ballooned into a bigger issue because of the continued incompetence of Barclays and its employees. Years ago I had a Barclays credit card. I had asked for the account to be closed approximately 3 years ago, have not received statements since XX/XX/XXXX, and I no longer have the actual card. On XX/XX/XXXX at XXXX XX/XX/XXXX I received an email statement with a {$28.00} balance. This email referenced an account ending in XXXX. I do not have a card, so this is the only reference number I have. I knew this was a mistake, so I called and requested it be rectified. Not only did your company allow a charge to be made on a closed account, the charge appears to be from XXXX XXXX, which is a campground we have not been to in years ( I estimate 5 years ). I told the customer service representative that the charge must be fraudulent. I was given a case # ( XXXX ) told it would be taken care of and I would hear back in 7-10 days. I did not hear back. On XX/XX/XXXX, I received an email statement with a {$48.00} balance. I called and was told you added a late charge. I was told the late charge would be removed, the initial charge was being researched and I would hear back in 7-10 days. No call back. On XX/XX/XXXX, I received an email statement with a {$64.00} balance. I called and spoke with many people. The last person I spoke with said she was a manager. She said it had been taken care of, and when I voiced concern about my perfect credit being damaged, she said she would send a XXXX balance letter. The letter arrived showing a balance of {$64.00}. That same day I checked my credit, and my credit score dropped XXXX points. I have NEVER HAD A LATE PAYMENT. This is completely unacceptable. I have reached out to XXXX XXXX by email and they confirmed they have not recently charged my card, since we have not stayed there in years. I have included that email for your reference. The {$28.00} would have been no issue to pay. The issue is that this charge is not justified, the account has been closed since XXXX, and this should have been taken care of with my initial call in XXXX. This has not only been marked with incompetence, but the hours I have spent on the phone repeatedly telling this story and not getting a resolution have been unacceptable. I have been treated with disrespect and patronized by Barclays employees ( especially in the fraud department ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95630
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on BARCLAYS BANK DELAWARE. Please Remove the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : ( BARCLAYS BANK DELAWARE XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A