Date Received: 2021-12-01
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: My complaint pertains to my Jet Blue XXXX issued by Barclays bank. The company recently solicited a balance transfer/cash offer. This offer was for 3 % and offered XXXX interest into 2022. I decided that I wanted to pay off some higher rate debt and requested cash for {$7000.00} and accepted the 3 % cost of XXXX dollars. Barclays processed by request on XX/XX/2022 and posted the {$7000.00} to my checking account. When I looked at my Barclays balance to make sure I was charged the correct fee I noticed that they debited my XXXX twice for both the {$7000.00} as well as the {$210.00} fee. I now show having a {$14000.00} dollar balance which is inaccurate. I immediately called them and was told it was a known issue that they had duplicate entries processed. I have since called XXXX more times and get told its still a known issue and its being worked on. This false posting is now impacting my FICO score as it looks like I'm borrowing {$14000.00} dollars when in fact I'm only borrowing {$7200.00} I am very concerned about why its taking this long to resolve. I would greatly appreciate it if you can look into this on my behalf.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06825
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This account is currently pending on my credit as " derogatory '' even though I paid the full amount of settlement. I was promissed that it would be closed on my account as " settled. '' The " derogatory '' status has greatly decreased my score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: This is a continuation of former complaint ID : XXXX. After Barclays had credited all the fraudulent charges from XXXXXXXX XXXX {$850.00}, and given me a {$5.00} credit XXXX XXXX in their statement dated XX/XX/2021, I closed the account ending in ... XXXX, which Barclays acknowledge in a letter dated XX/XX/2021, and distroyed my card. I assumed at this point no further charges could be added, but yesterday, XX/XX/XXXX, I received a statement from them showing I owed {$170.00}, a {$180.00} fraudulent charge, again from XXXX XXXX, made XX/XX/2021, minus the {$5.00} credit. As I write this complaint, I have been on hold with Barclays for XXXX minutes. How do I fix this so I will get no further fraudulent charges and totally disassociate myself from Barclays and never hear from them regarding this account. This account and Barclays has tied me up for hours due to the bank 's incompetence in handling this matter and seemingly making it very difficult to report fraudulent transactions. Before completing this complaint, after XXXX minutes on hold, XXXX (? ) at Barclays agreed to have the charges reviewed for fraudulence. But I still want this followed up by the CFPB. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Dear Sir or Madam, 1. BRCLYSBANKDE Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with BRCLYSBANKDE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XXXX - My bank issued a payment in full of XXXX to my credit card company. The check was cashed on XXXX. I have contacted the credit card company NUMEROUS times because the payment has yet to be credited. The company has created numerous tickets, expedited my case, and yet I get no response, no call back. Last Ticket Number is XXXX and prior to XXXX XXXX The credit card company took an autopayment from my bank. XXXX The credit card company applied an interest charge of XXXX I have been calling, calling and calling the credit card company, they place me on long holds, transfer me to the wrong departments and this has continued up to the time of this writing. I sent an email to the cc company with dates, check number and amount. I asked for a number or email address to send a copy of the cleared check. The email response from the cc company is ..... " In order to provide you with the most individualized service possible, we ask that these requests be made through our Customer Care Department. Please contact us at XXXX. Our agents are available 24 hours a day, 7 days a week. We apologize for any inconvenience this may cause. '' I have a letter from my bank that issued the check for XXXX, with front/back copy of the check. I don't know what else to do. The company is not at all helpful
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-30
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 submitted a previous complaint, ID XXXX. It was closed when the company, Barclays credit card submitted a letter to CFPB dated XX/XX/2021 stating that checks were in the amount of {$1000.00}. XXXX and {$0.00} were released to me and it would take XXXX XXXX XXXX business day to arrive. Today is the XXXX of XXXX and no check has been received by me. Also one check payable to Barclays Bk Delaware fraud Dep at my home address, dated XXXX XXXX, 2021 was mailed and received by me ( see attachment ), in the amount of {$1000.00}. This does not make any sense that the check was not payable to me and the inside address on the letter showed Barclays Bk at my address, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ. The funds were owed to me by XXXX XXXX to my credit card ending XXXX as a result of a flight cancellation. However, I had cancelled that credit card about XXXX year prior to cancelling my XXXX XXXXSee my previous complaint. It seems to me that Barclays is commiting the fraud. No interest has been calculated from the time XXXX deposited the monies. I am sure the bank is accruing interest. If I don't recieve the funds in 10 days I will contact my Senator and my House representative. You should not have closed my previous complaint until receiving communication by me that the corrected check was received and deposited by me. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85375
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2021, I received an alert, a text message on my phone stating that there was a fraud alert and the message asked me to confirm if I had authorized {$80.00} from the XXXX ATM located at XXXX HA. I immediately responded to the alert, NO, then the next message stated my card was blocked. I called in, the representative just said they needed to block or freeze my account. At this point, online showed XXXX transactions had went through, same atm, for a total of {$400.00}. One transaction for {$200.00}, and two transactions for {$100.00} each. I filed dispute, sent back information and assumed this would be resolved. My dispute was denied and now I am waiting on snail mail to come to tell me what documents were used in the denial. I had my card in my possession and physically was located in my house online working in college admissions. My car is in the shop and I have not given my debit card out and would not have done XXXX transactions to incur a fee when I know my withdrawal limit is more than {$200.00} per transaction. My card is an Uber XXXX from XXXX Bank. I remember getting an alert from Uber that someone had logged into my account but at the time I did not investigate. I went to the location where the XXXX ATM was used. It is in a XXXX that I have never been in until last week when I went to see if I can get the loss prevention to pull the atm or their camera on XXXX at XXXX to help in this investigation. I am not sure how someone could get into my debit account without my atm unless the machine or they used some type of cardless option or the bank has mistakenly in error pulled funds from my account that were supposed to be pulled from someone elses account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XXXX XXXX 2021, I called XXXX and asked a Barclay 's representative how to pay using the payment coupon they sent with the statement. The rep walked me through on how to endorse the coupon. I sent it off through the mail, now they are not honoring it and said I must pay with check or debit. The pay off amount was XXXX, coupon was for a discharge of XXXX. Called Barclays on XXXX XXXX, XXXX and today the XXXX when now they said they do not accept the payment coupon without a check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85392
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a $ XXXX XXXX newspaper subscription, that I ended in XXXX, drawing from my Barclaycard Rewards Mastercard. I had auto-pay set up, such that any bills to my credit card should have been automatically paid for from my debit card account at Oregon XXXX XXXX XXXX XXXX as had happened for over a year. This did not happen starting in XXXX, and the {$4.00} subscription cost snowballed into a {$90.00} credit card balance, due to late fees, which I only realized when I was sent a notice in XXXX that my account was being closed. A {$4.00} late fee was charged XX/XX/XXXX, {$12.00} late fee charged XX/XX/XXXX, {$25.00} late fee charged XX/XX/XXXX, and a {$40.00} late fee charged XX/XX/XXXX, in addition to {$0.00} " minimum charges '' each month starting in XXXX. I spoke to a Barclays customer service agent ( XX/XX/XXXX ). He told me that Barclays had made some kind of systems change, in XXXX I think, that resulted in a number of customers being taken off of auto-pay without their knowing, and with Barclays unable XXXX tell who had had auto-pay. He acknowledged that it was not my fault and thus removed all the late fees. I pressed him to remove the interest charged as well, which he said he did, such that I would have a XXXX balance after paying {$8.00} for the newspaper subscription ( now I'm not sure why I should have payed more that the {$4.00} for the XXXX newspaper subscription ). He told me he couldn't do anything about the lateness having already been reported to the credit bureau, but gave me their address for me to mail a complaint to. When I logged in Monday XX/XX/XXXX, it appeared I still owed {$90.00} due in XXXX, and also that I had a balance of {$2.00} due now. I called back and they said I know longer owed the {$90.00} but did owe {$2.00}, which they removed on account of that being from interest that shouldn't have been charged. They said they could NOT re-open my account without me reapplying. My complaint is on behalf of all the other auto-pay subscribers who were taken off auto-pay and charged late fees, and because I'm concerned about how this may continue to affect my credit.
Company Response:
State: OR
Zip: 97402
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is XXXX XXXX who is submitting this CFPB complaint myself. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. Please investigate and remove it from my personal credit file. Thank you. ( XXXX XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A