Date Received: 2021-12-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX BARCLAYS BANK CREDIT INQUIRY ON MY XXXX CREDIT REPORT I NEVER GANE THEM AUTHORIZATION
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
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 contacted the credit card company XXXX Barclay Mastercard several times about a charge made on my account that the vendor/merchant agreed that there was an error. The credit card company said they would handle the dispute and even gave me a case number, but they are still trying to get me to pay the transaction. The purchase amount is {$130.00} from XXXX XXXX in downtown XXXX on XX/XX/XXXX. The transaction posted on XX/XX/XXXX. I contacted the hotel several times and they told me that the credit card company made an error. The credit card company has refused to call me or email me to resolve this dispute even though I left them both contact information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78727
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
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: Hello. I was wrongfully charged on XX/XX/2021 from XXXX company for {$1500.00} and I filed a dispute as soon as I could right After and Barclays Card ( JetBlue mastercard ) has been a nightmare to work with. Theyre continuously closing/opening the case without even my knowledge and theyre lying. They tell me something different every time I call them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My account has never been late and due to an error with XXXX XXXX, my Barclay 's account was made to be delinquent in XX/XX/2021 when in fact it never was. XXXX XXXX provided a letter owning their mistake and the credit report still shows the account as being lat. This inaccurate reporting has severely affected my credit profile and scores. I was unable to get my loan because of this terrible marking on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/2021 I tried to redeem XXXX Barclay Rewards points for {$75.00} in cash back rewards to my credit card or bank. However, as of today, I have not received this amount. I escalated the issue a few weeks ago to " XXXX '' a customer care manager, who gave me a case number : XXXX. My rewards points docket still shows that the order is " in process '' yet it's been over 6 months now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11427
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have been calling Barclay since XX/XX/2021. Including today. My payment in the amount of {$3300.00} was drafted twice from my account of XX/XX/21 I have been fighting to get that money back. Every time I call I get told something different. From too bad you don't get it back, the check is in the mail, it will be credited back to your credit card as a credit, it will be re-deposited into my bank. Today when I called they didn't even have my case number on file. I am frustrated. That is a lot of money for them to not return Any help would be appreciated. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22405
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: Hello. Our names are XXXX and XXXX XXXX, and we need your help with escaping from a financial deathtrap that we find ourselves in with the two following companies : 1. XXXX XXXX XXXX XXXX XXXX, XXXX a non-bank lender of consumer loans for the purchase of timeshare interests. 2. Barclays the issuer of Diamond Resorts International World Mastercard. In the XXXX, we purchased a one-week timeshare in XXXX XXXX XXXX We happily used it for one week every year for decades. As of XXXX, our only financial obligation for this timeshare was a maintenance fee of approximately {$2000.00} every year, which equated to about {$160.00} per month. XX/XX/XXXX : ENCOUNTER WITH XXXX XXXX On XX/XX/XXXX, we were on vacation in XXXX XXXX, and we were contacted by XXXX XXXX to attend a presentation the following day at breakfast. At that presentation, a XXXX representative told us that our one-week timeshare ownership structure at XXXX XXXX would soon no longer exist and that we needed to purchase points to continue vacationing. He said points were more valuable anyway because they could be passed to our children. The salesperson spoke very fast and gave us many documents to sign, without allowing us time to read them over. At the time, we were ages XXXX and XXXX. We are now ages XXXX and XXXX. Shortly after our vacation, we suffered many health problems ( discussed below ). XXXX and Barclays sent bills and we blindly paid them because we had too much else going on to question why they were asking for so much money. Only recently were we able to sit down with our son and go through all the XXXX paperwork. After doing so, we now know that the documents we signed on XX/XX/XXXX, obligated us to purchase XXXX XXXX points for the price of {$80000.00} plus {$3000.00} in closing costs. The paperwork shows that the XXXX points were paid for as follows as reflected in the enclosed ATTACHMENT 1, which includes : ( a ) {$8200.00} trade-in credit for our XXXX XXXX XXXX XXXX that we would have kept if we werent told it was going away ), ( b ) {$11000.00} on a Barclays card with a 19.99 % interest rate, and ( c ) {$63000.00} in a XXXX XXXX loan with a 14.3969 % interest rate. LATE XXXX : HEALTH COMPLICATIONS Shortly after our XXXX XXXX vacation , XXXX was diagnosed with XXXX XXXX and was told he would be undergoing XXXX XXXX between XXXX and XXXX. In XX/XX/XXXX, XXXX underwent XXXX XXXX XXXX. Enclosed at ATTACHMENT 2 is a letter from our doctor , XXXX XXXX XXXX, which details our health problems and explains that we are unable to travel. A few months after XXXX XXXX XXXX, we called XXXX and explained that we could not afford to pay the bills they and Barclays were sending us ; that we did not understand how we became obligated to pay them ; and that we could not travel even if we wanted to due to our health problems. We were told that getting out of the purchase would be very difficult. We spoke with XXXX XXXX XXXX and were told to apply to the XXXX XXXX XXXX XXXX Department. We were told we would need to submit many different medical documents and financial records. We did not understand what we needed to do so we called back. Each time we called, we were more and more confused about how to apply for a hardship and our time and understanding was, and is, limited due to our critical health problems and our age. We are hoping that reaching out through the CFPB will help resolve things quickly so we may have some peace as we work on improving our health. WHAT WEVE PAID FOR SOMETHING WE NEVER WANTED, NEVER USED, AND WILL NEVER USE Despite not understanding how we ended up owing such a large amount of money or how a credit card was opened in our name, while we were going through our major health complications in late XXXX through XXXX, we paid the amounts seen on the document enclosed as ATTACHMENT 3. During that time, we did not have the time or energy to question everything and were afraid of what would happen if we did not pay all the bills we received. Only recently were we able, with the help of our son, to piece everything together. In total, we have paid {$36000.00} for something we never wanted and that we have never, and will never, use. XX/XX/XXXX : UNEXPLAINED CHANGE IN INTEREST RATE AND PAYMENT AMOUNT We would also like to know why the monthly payment XXXX XXXX asked us to pay changed in XX/XX/XXXX. The Truth in Lending Act Disclosure given to us in XXXX ( enclosed as ATTACHMENT 4 ) showed that our monthly payment would be {$990.00} with an interest rate of 14.3969 %. This is the amount statements show we were billed ( and paid ) monthly in letters received from XXXX XXXX through XX/XX/XXXX. The new monthly amount ( {$1000.00} ) was reflected in a letter from XXXX XXXX dated XX/XX/XXXX ( enclosed as ATTACHMENT 5 ). The letter displayed a list of possible explanations for the change in payment amount but none of those reasons applied to us. Specifically, all the reasons related to a change in how payments were made, including terminating participating in a XXXX XXXX, closing a designated bank account, not maintaining a sufficient balance in the designated bank account, stopping payment on the XXXX XXXX, revoking the XXXX XXXX authorization, and not making payments on the XXXX XXXX when due. None of these reasons apply to our situation because we never signed up to pay via the XXXX XXXX. While we now see that a box on the TILA disclosure is checked that mentions XXXX, we were never provided a XXXX XXXX ( whatever that is ) to fill out and every monthly payment weve ever made was initiated by us after receiving a monthly statement. Why is XXXX allowed to put one payment amount and interest rate in an official disclosure and then just change it months later? WHAT WE ARE ASKING OF XXXX AND BARCLAYS We recently received a letter dated XX/XX/XXXX, which states that our current balance for the XXXX loan is {$61000.00}. It was just {$58000.00} in XXXX. We think the balance on the Barclays card is around {$8200.00}. Weve paid these two companies {$36000.00} for absolutely nothing. Money that we desperately need to use to care for ourselves in our old age. We are asking for the following : 1. Barclays : a. Return to us {$6200.00} that weve paid them. b. Cancel any remaining balance. c. Remove any negative credit reporting. 2. XXXX : a. Refund to us the {$30000.00} weve paid them. b. Cancel any remaining balance and memberships. c. Return to us either our XXXX XXXX timeshare ( so we can gift it to our children ) or the additional {$8200.00} at which XXXX valued our XXXX XXXX timeshare when they told us it was going away. d. Remove any negative credit reporting. e. Take back their timeshare. If XXXX and Barclays refuse to do the above, we want them to explain to us ( and to the CFPB ) : 1. Why XXXX told us that our XXXX XXXX timeshare was going away and that we needed points to continue to vacation when we were there in XX/XX/XXXX. We now realize this was probably a lie. 2. Why XXXX decided to change the interest rate and payment on the XXXX loan nearly a year after they made a TILA disclosure reflecting a different payment and interest rate amount. 3. Why we were not given proper information about the opening of a Barclays credit card. 4. How much money they were paid when someone else used our timeshare interest in the past two years when we were unable to use it. We think they need to pay that money to us if they dont give us a refund. Thank you to the CFPB for your assistance. And thank you in advance to XXXX and Barclays for helping to fix this situation and improve our lives. Sincerely, XXXX and XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: 11727
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: On XX/XX/21 contacted XXXX about an incorrect address on my credit report. They informed me they wouldn't remove it since one of my creditors ( Barclay ) was reporting it. Started a dispute w/XXXX about the address ( XXXX XXXX, XXXX ) XXXX Was told it could take up to 30 days. Reached out to Barclay. The Representative ( ID XXXX XXXX ) refused to change anything, and falsely stated he could not see any information since sent to collections. Also repeatedly stated that was the only address Barclay EVER had and there was nothing he could do. I asked how/where they had gotten that address. Rep refused to give me an answer, or offer any proof to validate why this is on my credit report. He had none. Asked for supervisor. Spoke w/her she said she WOULD update my account to the correct address ( tix # XXXX XXXX, 3-5 days ). Finally got the dispute back from XXXX, with the same address on there! They did edit it to say FL XXXX as well. XXXX also claims they have no proof of this address either. How can this be reported, disputed, and still shows up on my credit report w/ZERO documentation given to the consumer as proof? After fleeing my home XXXX XXXX XXXX now unable to find a new place to live for me and my son because of this address on my credit report. All w/out the Barclay and/or XXXX showing any documentation to me at all. If there is verification I have the right to see it or know about it. I do believe this violates my credit bill of rights : " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. '' This still hasn't been done, or any documentation shown.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I contacted Barclay bank carnival world MasterCard support about not receiving my {$250.00} credit as was advertised during my recent cruise with XXXX XXXX XXXX contacted a agent on XX/XX/XXXX at XXXX AM for resolution. They opened case number XXXX and advised me to give them up to 14 days. I called back to check the status of the case on XX/XX/XXXX at XXXX and was advised the issue was still being investigated. I called back a final time today XX/XX/XXXX and was told that promotion does not exist and I would not be receiving any credit. I have photo evidence of said promotion being targeted to guest during this time. I advised representative that I was looking at the advertisment and was informed nothing could be done other than a complaint about the promotion.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Re : Barclays credit card Back in XX/XX/XXXX after purchasing a new XXXX and paying it off through Barclays, they decided to continue the Acct with a {$2000.00} line of credit. By XXXX of XXXX they increased that amount to {$3700.00}. By XXXX of XXXX they again increased the line to {$6700.00}. By XXXX of XXXX they increased the line to $ XXXX XX/XX/XXXX it was {$9800.00}. It stayed at {$9800.00} for ALL of XXXX and into XXXX. In XXXX of XXXX there was a short payment of {$67.00} and the only late fee EVER was charged and reversed on the same statement. In XXXX of XXXX I made a large payment of {$2600.00}. Only to receive a letter on XX/XX/XXXX that my limit was reduced to {$5700.00}! This upset and confused me but I assumed it resulted from the pandemic or something. My limit remained at {$5700.00} until this month when I made yet another {$2000.00} payment. Then today received notice that my credit line had AGAIN been lowered to {$3000.00} now! They keep telling me my amount due is too high relative to my available credit line! Well OF.COURSE IT IS! You keep lowering the line! This is unacceptable! There is no valid reason to do this to someone that has been with them since XXXX and has no history of late payments. Plus they have run 3 hard inquiries this year when the average is 2. Combine these with my lowered available credit amount and my score has suffered tremendously! Not a happy customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93041
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A