Date Received: 2022-01-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello there is a fraudulent account being reported on my XXXX for a Barclays bank ending in XXXX saying i owe {$3000.00} I have sent Barclays bank multiple id theft inquires all have been ignored and any investigation that has been done was awful. I am now talking with a customer debt lawyer if this complaint fails to remove from my credit report I will be suing Barclays bank. Please resolve this and remove this account from my credit report. if this account has received payments from a XXXX XXXX then please know that the XXXX XXXX XXXX was also open fraudently and should not be used as proof of verification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80521
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Hi, I applied for a Jet Blue credit card with Barclay and was declined because my federal student loans currently have no monthly payment on my credit report since the Federal government paused payments during COVID. Since my federal student loans are reporting on my credit report with a $ 0 monthly payment, Barclay is making up a number based on my federal student loan balance which is an incorrect monthly payment. I've asked Barclay if I could send them the paper work from my federal student loan servicer so they can see my actual monthly payment with be {$810.00} a month because I'm on IBR. Barclay will not allow me to send any paper work and will only work off my credit report with the $ 0 monthly payment and they then make up the monthly payment based on a calculation. My only option at this point is to now wait until the federal payment pause is lifted and my federal student loan servicer starts reporting my real monthly payment again of {$810.00}. So in short, Barclay 's policy is discriminatory towards borrowers with federal student loans on a payment pause. Which goes against the purpose of the payment pause. Basically, because of the payment pause I'm being declined. As soon as the payment pause stops, I will be approved because Barclay will then use my real monthly payment based on the credit report. This is extremely unfair treatment. I can't understand why Barclay won't allow someone to prove their real payment and only make up a payment based on loan balance. I've worked in lending for almost 20 years and if the payment on the credit report is reporting as {$0.00}, the lender should allow the applicant a chance to prove the real payment. Even more so now because an applicant shouldn't be penalized because of the federal payment freeze on student loans. Who know how many other applicants with student loans have been harmed by Barclays policy. Thanks!
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: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
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 been trying to resolve an issue with multiple fraudulent charges on my Barclaycard Mastercard. Here are the charges/dollar amounts : 1. XX/XX/XXXX,XX/XX/XXXX{$410.00} 2. XX/XX/XXXX, XXXX, {$410.00} 3. XX/XX/XXXX, XXXX, {$100.00} 4. XX/XX/XXXX, XXXX XXXX XXXX, {$400.00} Here is a timeline of what has happened so far : 1. On XX/XX/XXXX, I received a text message from Barclaycard informing me that there were possibly fraudulent charges on my account. Upon reading this, I realized that my wallet had been stolen at some point that day or the day before. I immediately called Barclaycard to report my Mastercard as stolen. ( I also did this with credit card from two other companies - both companies gladly refunded me the fraudulent charges ). 2. About a week later, I received a new Mastercard. 3. Shortly thereafter, when the fraudulent charges were still not removed from my account, I called Barclaycard again and was told that the charges mistakenly had been transferred to my new card. I was told that this new card would be cancelled, the charges investigated, and yet another card would be issued. 4. About a week later, I received another new card. 5. 3 of the 4 fraudulent charges ( all except the XX/XX/XXXX charge ) were credited back to me. A short time later, I received a letter stating that this charge was not fraudulent, despite occurring on the same date as all the other charges, for a similar dollar amount. 6. I called Barclaycard and was told to fax them documentation on this charge for further investigation. I faxed them this information on XX/XX/XXXX, and also sent the documentation in hard copy form via certified mail. 7. About a week later, I checked my Barclaycard account again, only to discover that, not only was this XXXX XX/XX/XXXXcharge still on there, but the other three fraudulent charges, which had previously been credited back to me, had all been re-posted to the new card. 8. I called Barclaycard again, and was told to submit, in writing, detailed explanations for why I thought each charge was fraudulent. 9. On XX/XX/XXXX, I sent the Barclaycard Fraud department a certified letter with as much proof as I could find that these charges were fraudulent. As I stated in the letter, accounting for my whereabouts every minute of the day on XX/XX/XXXX is impossible. However, as I explained, a simple analysis of my transaction history with Barclaycard makes these 4 transactions seem very odd ( which is probably why they tagged them as possible fraud in the original text message received on XX/XX/XXXX ). To my knowledge, I have never shopped at all 3 of those merchants on the same day. I have not set foot in a XXXX store in more than a decade. I use my bank check-card for virtually all transactions, only using actual credit cards for large, travel related purchases ( hotels, airplane tickets, etc. ) 10. Sometime thereafter, I received 2 different letters in the mail from Barclaycard. The first, dated XX/XX/XXXX, said that the fraudulent activity associated with the original Mastercard were indeed fraudulent and that " you are not responsible for the reported fraudulent activity ''. A second letter, dated XX/XX/XXXX, informed that the original card had been " closed due to suspicious activity ''. 11. Finally, on XX/XX/XXXX, I sent another certified letter to Barclaycard, indicating my continuing frustration that this issue was not being resolved. I included a detailed timeline of what had happened up to that point, and requested yet again that these fraudulent charges be removed. I have not received any response to this letter. At this point, I am at my wits end. I do not have the resources to hire an attorney. Any help you can provide will be greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: Claim No. XXXX was filed in XXXX, 2021. This is for the reimbursement for the cost of an XXXX XXXX XXXX that I accidentally dropped kitchen sink and is unrepairable and can not be used to make calls because the phone was submerged in the water with dish detergent. I sent all the documentations needed and it was agreed upon that the purchasing of a new phone would suffice the require for a note stating the phone was beyond repair. A XXXX XXXX XXXX XXXX XXXX that cost {$1200.00} was purchased. I sent proof 4 times and 4 times this proof of purchase was NOT attached to my file. I sent emails alleging " game playing '' to keep from paying the claim. I also requested to file a complaint regarding this failure to attach the info that I continually sent to my file. The XXXX has record and shows the payments that were made to XXXX XXXX showing the payments made prior to the damages to the phone. XXXX has all of this as well as the documents that I sent ; however, they are not processing the claim stating they need more information which THEY ACTUALLY HAVE VIA EMAIL AND VIA THE ACCOUNT RECORDS THAT THEY HAVE. I have requested that the refund for the phone be sent to me directly not put on my account. After 20 calls and 20 emails, I know nothing else to do. Bad business...
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: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XXXX XXXX, XXXX an amount of {$3400.00} was refunded from a purchase back to my Barclays XXXX MasterCard. I called on XX/XX/XXXX and spoke to a rep at Barclays XXXX MasterCard, they said a paper check would be issued in the amount of XXXX to me by mail. Two weeks later i called Barclays XXXX MasterCard, i let them know i had not received any checks, they said the mail had delays or i probably threw it away. They would send another check. On or around XX/XX/XXXX i received a check from Barclays XXXX MasterCard for {$2800.00} less the original amount i was promised to be refunded ( this is my money ), this check was returned by my bank with a {$12.00} fee to me. It is XX/XX/XXXX, Barclays XXXX MasterCard keeps wanting to send a check with a different amount, now they want to send {$2700.00}? What is going on, Barclays XXXX MasterCard is a bank. Do they have any fidicuary responsibilty to their customers?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: This is involving my credit card account with Barclays Bank. My XXXX statement was released on XX/XX/XXXX for the period between XX/XX/XXXX - XX/XX/XXXX The statement started with a {$0.00} balance, I pay the card off in full every month, and I made {$500.00} in purchases during the XXXX statement period. The full amount due was {$500.00} and the payment due date was XX/XX/XXXX. I made a payment in the amount of {$500.00} on XX/XX/XXXX. That payment was reversed the same day due to insufficient funds in my bank, and the payment was resubmitted and successfully went through XX/XX/XXXX. An interest charge of {$0.00} was added to my account on XX/XX/XXXX, after initial payment was reversed. However, because the the payment wasn't due until XX/XX/XXXX, there was never any " Balance Subject to Interest '' in my account at any point and interest should not have been charged. On XX/XX/XXXX I spoke to a customer service representative about this interest charge, who said that the interest had been assessed correctly, but that she would add a " credit '' to my account in the amount of {$0.00}. On XX/XX/XXXX, this credit had not posted to my account. I spoke to three customer service representatives who did not acknowledge the error and also said that interest had been assessed correctly. They did not see a credit added to my account, but added the credit again, which I saw successfully posted. I requested a callback from a supervisor at Barclays to address the initial error. On XX/XX/XXXX, I received a callback from a customer service representative who initially refused to acknowledge that an error had been made. After 20 minutes, she put me on hold to look into my account again, and said that the interest charge was a result of a " banking error '' On XX/XX/XXXX, I reviewed my monthly statement for the XXXX period and saw that it reflected a " Purchase Interest Charge '' of {$0.00} with an " Interest Charge Adjustment '' ( made manually, after multiple phone calls ) of - {$0.00}. On XX/XX/XXXX, I called customer service to get confirmation that their banking error had been fixed and that I would not be impacted again. The representative told me that it was not a banking error, and that I was properly charged interest. No notes had been made in my file that a banking error occurred, or that there was any action taken to address the error in Barclay 's system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02155
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: From XXXX through XXXX of XXXX, I was employed with a company that contacted me through legitimate business channels to offer me the possibility of employment. The name of this company was XXXX XXXX XXXX XXXX ( XXXX ). After numerous discussions about the employment opportunity, I accepted and signed an employment contract on XX/XX/XXXX. My first day of work was on XX/XX/XXXX. My duties for this job as they were described to me was to purchase high demand products that were specifically order by customers located in other countries that did not have access to these products. I would be reimbursed for the purchase price of these products via an official company bank account with my name listed as an authorized account holder. I would then ship these products to an intermediary that would be gathering products from various employees and ship them in bulk to the customer fulfillment location. After 2 weeks I began to get suspicious of the operation due to the lack of information I was being provided and the questions I had asked that remained unanswered by my superior. After asking these questions repeatedly, every payment that was made from the company bank account was reversed and I was stuck with a large amount of debt. I repeatedly reached out to my superior after this instance and was assured it would be resolved. It was never resolved, and my superior ceased all contact with me and would not respond to my calls, messages and emails. I immediately contacted the credit card companies to ask them how these payments could reverse, and they stated that it was a feature of the bank account that was being used. I was never paid for any work and was left with over {$85000.00} wor I immediately went to the police and filed a police report. I then contacted the police in each city I was sending products to. I was alerted to large seizure at one location and the police were unaware of anything at the second location. I then reached out the to Federal Bureau of Investigation ( FBI ) who informed me that this was a fraud scheme and there were many victims throughout the country. I was informed because the criminals were foreign, it would be highly unlikely for any justice to come to them, and I was best off to contact a lawyer. I contacted an attorney in XX/XX/XXXX. After explaining my situation to them, they agreed that I should not be held liable for debt incurred and I retained their services to help me in this matter. On XX/XX/XXXX, my attorney sent the first of three demand letters to each of the 3 creditors via certified mail. The second demand letter was sent XX/XX/XXXX and the third was sent XX/XX/XXXX, all letters were sent via certified mail. These letters explained the situation as well as highlighting the banks involvement in the perpetuation of this crime. My attorneys received no response from any of the 3 demand letters to the 3 different creditors. I was told by my lawyers that I had 2 options, sue the creditors to force them to address this issue or do nothing. They told me they recommended that I do nothing. It would be very costly to engage in litigation with 3 separate creditors and it would most likely cost more than the debt itself. My attorneys believed that the creditors knew that they could not collect this debt and therefore would just write the debt off and avoid any legal battle. I have taken their advice and have not heard from any of my creditors. My credit score and credit report have been destroyed. I am unable to receive security clearances for work and have lost out on several employment opportunities. This has completely turned my life upside down.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filled a dispute in regards to the incorrect items in my credit report. It has well been over 30 days and I have not received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10031
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
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 was charged for something I did not do or authorize on XX/XX/2021. I have communicated several times with Barclays XXXX credit card by phone and by their secure message center. They removed charge at one point and reissued card. However later they chose to reinstate charge and we have discussed in writing and by phone ad nauseam. Last message they sent said if I call in they would take charge off but when I call in they say there is no such note on my file and they can not access message center (? ) to confirm. It's all beyond ridiculous and frustrating. They can't seem to understand I DID NOT MAKE OR AUTHORIZE CHARGE and keep billing me for it. Its like trying to converse with a fish to get this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 467XX
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I received an application to apply for an XXXX XXXX XXXX XXXX XXXX with no annual fee. I applied twice over the phone. I later went back to check and barclays customer service, security, and Applications all state there has been no application filed. I also checked my application status on Barclays web site it says the same thing the it gives me a phone number to call. I call it. But, no one can find my application. So I did the process again online! This time I received proof that my application was being processed! So I checked my computer again and it says there is no record of my application. It gave me the same number to call. I called. No one could still find it. Now, I have another card with Barclays but this card has an annual fee. After 3 years, I tired of a annual fee! My customer id is XXXX XXXX XXXX XXXX!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19810
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A