Date Received: 2023-12-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: i have been requesting a change to my due date to help with not being charged a late fee. I have made this request since XXXX of this XXXXi have received 5 form letters dated, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXXall of these letters say the same thing, reviewing your requst. i live on my ss which is paid on the XXXXXXXX XXXX. of each month.i live in alabama and my payment goes to cal.the current due date is the XXXX of each month and i requested my due date be changed to the XXXX of each month.
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: 2023-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is not my account I did not open this account. I was XXXX to the XXXX XXXX with the XXXX during this time. This is not my bill. I did not open this account. We never receive a bill. What address was used to open this account? I refuse to pay for something that I did not do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23321
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2023 I applied for a mastercard XXXX card, in good faith i submitted my application and was denied. I have a rite to credit 15 USC 1602. Regardless of the reason I was denied, denying me access to my credit is discrimination and is in violation of Equal Credit Opportunity Act, and Consumer Credit Protection Act. Withholding my securities is securities fraud and may carry civil or criminal liability and subject to fines and/or imprisonment. This is a consumer credit transaction. The property is to be used by the natural person for personal household and family necessities.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I do not wish restitution from the credit card company. I simply want CFPB to investigate the practices companies and credit card payment companies are using to extort money. I had an account with XXXX. I closed it in XX/XX/2023. They continued to bill me the monthly amount. It was paid through my XXXX with Barclay 's XXXX. I paid additional months thinking the final payment would go through and be cleared. In XX/XX/2023 I contacted Barclay 's and disputed the charge. After repeated calls they agreed to close my account- the XXXX charge was the only one - and to clear the amount. They didn't. They continued to bill me, adding a fee each month. I believe they have submtted this account to credit bureaus and it has caused a XXXX point drop in my credit rating. I just finished talking to them again. I paid the amount in order to clear my credit. They were sympathetic but not helpful. During several of the calls they asked if I had contacted XXXX to clear the account. It is impossible to contact XXXX. I spent hours on the phone without success.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22153
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023 Barclays closed all my credit card accounts without my knowledge. On XX/XX/2023 I received 4 letters on the mail detailing these closings. I never agreed to this and would like my accounts reinstated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have a credit card with Barclays - Wyndham rewards Visa card. I called them on XX/XX/XXXX to let them know I was going through a difficult financial situation. I asked them to lower my minimum monthly payment. On XX/XX/XXXX, they let me know my payment plan was approved under the name " XXXX XXXX XXXX, '' my new payment will be a {$190.00} minimum payment on the XXXX of every month. I made the first payment under this plan on XX/XX/XXXX. Since that date, I have been paying {$190.00} every XXXX of the month. However, they have been acting weird since then. At the beginning of XXXX, they called me and said I had to make the monthly payment, but I explained that I was in an XXXX payment plan. They told me my plan was canceled for lack of payment, although my payment was not due until almost the end of the month. They told me they would re-activate the payment plan again to start over. I didn't know why they did that, and it was a bizarre situation. Since XXXX, they have been reporting my account to the credit bureaus, so I have received emails saying my Barclays account has been impacted negatively. They have been calling since then repeatedly, almost every single day every month, to remind me about my payment. In the last XXXX months, I told them I already had a payment plan, but they said they didn't see it in their system, so after checking for a few minutes, they told me they found the info. Every time they call me, I answer the phone, but the call hangs up. I feel like this company is doing something wrong, and they are harassing me with their phone calls or hanging up every time I answer. I don't feel it is fair to keep paying a company that doesn't respect their terms, ignoring what was agreed, and harassing customers with phone calls for no reason. I ask you to investigate and help me with this situation since I am doing what is right, but they are acting abusively against me.
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: 2023-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Multiple items on my hard inquiries are unrecognizable and need to be removed immediately it is hurting my consumer report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98106
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX through my online banking portal, I requested that {$5000.00} be transferred on XX/XX/XXXX from my Barclays Savings account to my XXXX Checking account. I received an email confirmation of this request ( attached below ) and on XX/XX/XXXX, {$5000.00} was debited from my Barclays savings account. However, it was never credited to my XXXX checking account. Instead on XX/XX/XXXX Barclays initiated a transfer FROM my XXXX checking account of {$5000.00}. I was out of the country without access to the internet until XX/XX/XXXX. Upon my return, I discovered the problem. I contacted Barclays bank on XX/XX/1919 and XXXX and was told each time that they made an " urgent '' request to research what happened. Barclays has removed a total of {$10000.00} from two of my bank accounts and they don't appear to know what happened to the money. I still don't have access to that money and it has been 12 days since the first debit from my account occurred. I have made 7 calls to the customer service line and they have refused to allow me to speak to a manager. I have been told three days in a row that someone would call me and they have not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91784
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Your Company BRCLYSBANKDE is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. BRCLYSBANKDE XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31419
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I did not consent to, nor benefit from, nor authorize the following : BARCLYS BANK DELAWARE - Account XXXX ; Amount - {$7700.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A