Date Received: 2022-01-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX of XXXX, I had entered a repayment agreement from a judgement filed against me for a charged off Barclays XXXX credit card with the first payment due XX/XX/XXXX. I had made the first payments under this agreement at the agreed upon amount. In XXXX, I had started the process of purchasing a home. At the direction of my lender, I had tried contacting the attorney 's office handling the debt as well as the original creditor to see if I was able to make a lumpsum payment and/or if they are able to assist with anything additional if I pay the remaining balance off in one payment. I had never received a response from the attorney or the creditor. I had sent in the final payment that covered the remaining balance due under the agreement which was deducted from my bank account on XX/XX/XXXX. When Barclays reported the account update on XX/XX/XXXX, it had indicated the last payment made as well as a remaining balance of {$680.00}. I had been informed by my lender that this isn't uncommon and that typically the balance will zero out the month following the final payment made. My lender stated they he believes that since a third party was involved in the payment process ( payments sent to the attorney 's office made payable to Barclay 's ) there might be a lag in when Barclays receives the payment info and to ensure no returned payments before zeroing out the account. That didn't happen. XX/XX/XXXX, same balance and last payment were being reported. At this point, I had tried calling countless times to the attorneys officer and my calls were completely avoided ; no calls taken and no returned calls from voicemails left. I also tried contacting Barclays directly who in turn refused to assist me since the account was assigned with an attorney. Even after informing them that nobody has returned any of my calls and that I've completed my end of the agreement. These calls took place through XXXX, again after no changes to my credit via my XXXX update. I am getting closer to the close date and my lender needed to update final credit. As of today, the last update from Barclays to the bureaus still show the same balance and last payment made. I've included my credit reporting from them for the past 10 months. I've also included a copy of the settlement agreement, proof of each payment and the satisfaction of judgement. The final page of this attachment, which was agreed upon in XXXX and has all parties signature initially stated deemed as original XX/XX/XXXX which was crossed out and changed to XX/XX/XXXX. Additionally in the upper righthand corner of the consent judgement, there was an XX/XX/XXXX e-file date with a line through it followed by a XX/XX/XXXX date. Furthermore, the satisfaction of judgement wasn't signed until XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/2021 I cashed in XXXX points for 2 tickets to XXXX XXXX @ XXXX XXXX. This game was on XX/XX/2021. I never received these tickets. I booked airline tickets for 2 and a hotel which I ended up canceling after numerus phone calls and messages. I did at one point receive a voice mail stating the tickets were emailed to me. This was not true! I did not receive confirmation of such email. Barclays bank owns me those points back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
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: We hired XXXX XXXX to initiate a new United States Visa application to Travel To The United States and correct the issues involved with the previous Visa. We had an agreement with the merchant that all issues will be resolved and they would assist with the application process until my friend was able to re-enter the United States under the terms of agreement and the given cost agreed. XXXX XXXX has continued to charge my card additional fees and has stopped responding to my emails. I have been charged over {$4000.00} on my credit card for these services and they are asking for additional fees after the associates at XXXX XXXX made mistakes and did not submit the proper forms in the initial application. I called Barclays Bank in regards to a dispute and they told me I only have 60 days to dispute. In this specific matter it takes longer than 60 days to know iff the merchant will perform the agreed duties being paid for.
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: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Other features, terms, or problems
Subissue: Problem with convenience check
Consumer Complaint: I have been getting the checks that are for balance transfers in the mail roughly every other month since I opened the card. I have called four times to have these checks canceled. Each time I am assured they will be canceled and yet I still receive them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX my card was fraudulently used for a cash advance of XXXX plus a XXXX cash advance fee. I very rarely use this card and did not activate the card after receiving it, so I was shocked that there was a charge. As soon as I realized there was fraudulent activity I called Barclays to let them know, that was XX/XX/XXXX. I received a letter dated XX/XX/XXXX that the fraud investigation has been completed and I am not responsible for the activity. In late XXXX I received an alert that I had a payment coming due. I called Barclays again, several times to try and get this resolved on at least XXXX, XX/XX/XXXX, I've been promised calls back, I got one call back on XX/XX/XXXX and was told that I had to speak to another department and they would call me back within 2 business days. This is the 4th business day without a call. I called again today to learn that someone tried to change the pin on my card on XX/XX/XXXX. At the moment the charge is still on my card, my payment is now past due and the card is accruing interest. I've now been told I have to call another department tomorrow during their business hours. This is very frustrating and concerning!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94610
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: My wife and I both applied for the XXXX Barlclay 's credit card after being told about it by flight attendants on a flight with XXXX XXXX. We were told the {$99.00} annual fee would be waived for the first year if we used the promotional code when we apply. We both did as instructed in XX/XX/XXXX and within weeks of opening the accounts we were both charged the {$99.00} annual fee on XX/XX/XXXX. Nowhere in the terms and conditions is an expiration date to the promotion nor are there details that would exclude us from receiving the promotional discount. The promotional flier explicitly states " {$0.00} intro annual fee for the first year, then {$99.00}. '' It also states explicitly in the terms and conditions, " {$0.00} introductory annual fee the first year, after that {$99.00}. '' I reached out to customer service on XX/XX/XXXX and was told to fax information to them to start a dispute. I did as instructed and was later given case ID numbers for both my and my wife 's case. We then received letters in the mail dated XX/XX/XXXX that stated " We're currently unable to assist you with your Rewards issue. '' This appears to be a XXXX violation, specifically deception. The company is not following the terms as advertised. We were told there would be no annual fee, yet we are now out {$190.00}. We were forced to pay these fees to avoid them falling past due on our credit. The company gave deceiving terms, failed to address the complaint, and did so in an untimely manner that resulted in us having to pay the fee to avoid it reporting past due to the credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/2020, I had a large bill which I knew I could not pay, so I decided to switch off autopay and pay a smaller amount. I canceled my automatic payment on XX/XX/2020 ( email confirmation attached ). On my due date I attempted to pay online, but it said a payment was already in process for the entire amount. At this point I was a bit out of it, as I was recovering XXXX and figured that I had forgotten to cancel the autopay - though later when looking through my emails, I discovered I actually had done it. I called in that day, the day of my due date, and attempted to make a payment. They refused my payment, saying my old one would have to be returned. I called in about a week later and they AGAIN refused payment, saying it still hadn't been returned, despite my bank saying otherwise. Unfortunately, it seems that some sort of bug in your software prevented this payment from actually going through, despite me receiving a confirmation. I unfortunately did not receive notice until late XXXX, when I received a stack of about 10 identical letters, telling me that the payment failed due to " Unable to locate external ''. I immediately remade the payment again including the upcoming required payment, which went through. I eventually made a payment on XX/XX/XXXX, when the system finally let me. Unfortunately this was returned for some reason, despite me having money in my account. Over a month later I received a stack of 10 identical letters, all telling me the transaction failed " Unable to locate external ''. At this point I immediately paid Barclays, but it was over 30 days late, and my credit report was affected. Despite my assurance that my account was past due and the original payment would be returned, Barclays refused my payment on multiple occasions. The original payment should not have even gone through, as it was canceled. Had I not been so XXXXk I may have been able to thread the needle pay after they finally let me, and then babysit that payment, but unfortunately I was quite XXXX and having multiple XXXX XXXX XXXX XXXX and was not able to fully concentrate on this. I had hoped that making a payment would end up being simple, but there were quite a few issues to navigate, which I was not up to at the time. Making a payment should not be this hard. Thank you for your time
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
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: Good afternoon, My last day in my office was XX/XX/XXXX due to the pandemic. I returned and had no choice but to accept a demotion position on XX/XX/XXXX making approximately $ XXXX less. during the pandemic I used up all of my savings to keep up with my payments. Before the pandemic I had an impeccable payment history. Never missed or late on a payment. I contacted Barclays letting them know my situation and to make payment arrangement base on what I can afford at the time, and they refuse to work with me. They offered me a settlement instead and I accept it. I paid them in full. I contacted them and explained to them The Govt passed The Corona Virus Aid Relief Economic Security Act which was enacted in XX/XX/XXXX and that late payments should not be reported on my account. Even though I settled with them in XXXX of XXXX, they are still reporting the account is in collection which is incorrect. ( Dates on my credit report - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Late Payments ). I want the late payments remove from my credit report. I'm trying to refinance my home so I can pay off my credit cards and the late payments are messing up my credit score and it is hindering me from doing so. Thank you very much.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12553
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
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: This is XXXX XXXX who is submitting this CFPB complaint myself. BRCLYSBANKDE is currently showing 30 days late for the month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. ( BRCLYSBANKDE XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I closed my account with Barclays Uber Credit Card in good standing and 0 balance. i maintained that account, always paying in time for over 3 years. They changed the benefits of the card so i called to close and verify cards and account 0 balance and closed. Date was closed XX/XX/XXXX. I verified 0 Balance on XX/XX/XXXX via phone call.They verified account was closed and 0 balance and revoked my online access and cards. Starting in XXXX, Barclays began reporting late payments in XXXX because they allowed charges of approx {$50.00} on XX/XX/XXXX on this closed accounts. I was first notified of this bill in XXXX when i saw my credit score drop from XXXX XXXX XXXX!! On XX/XX/XXXX i called barclays and was told they were sorry and would clear it up. End of XXXX i received a letter only telling me to call them! Now i call today and they say the same thing. They will take care of it but in the meantime i am applying for mortgage and my credit rating is XXXX XXXX lower because of their false claim. And, as of today all i have is promise that they will fix but they did this already and nothing happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85251
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A