Date Received: 2021-11-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. The information for this account listed on my credit report is : BARCLAYS BANK DELAWARE, BALANCE {$1800.00}, OPENED XX/XX/2019, ACCOUNT XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02119
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/XXXX my account consumer credit card was closed by Barclays Bank, and it was charged off in XX/XX/XXXX. In XX/XX/XXXX it was sold to XXXX XXXX XXXX XXXX, and in XX/XX/XXXX the account with XXXX XXXX XXXX XXXX was settled in full. As of today Barclays continues to report the account as a charged off collection account, and there is no indication that it was sold to XXXX XXXX XXXX. The account status does not state it has been sold rather it states that it is charge off collection. I have submitted several disputes since XXXX disputing the incorrect reporting ; however, Barclays continues to validate the information as correct reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2021-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-28
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Around XX/XX/2020, Barclays XXXX Business Card offered XXXX points on $ XXXX spend, and XXXX for an additional $ XXXX of spending if you signed up for their credit card. I received the first XXXX points when I reached that threshold, but after I spent another $ XXXX they never gave me the points. I used their product for purchases even though I had better credit cards to use at my disposal. I spent months trying to get this cleared up but today a rep said that they've done all the investigation about the points and said that I got everything I was supposed to, which is a lie. I paid off my remaining balance and promptly closed my account.
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: 2021-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-27
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: barclays and XXXX XXXX are in collusion with each other and is still being reorted on XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72761
Submitted Via: Web
Date Sent: 2021-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-26
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: Hello, I did balance transfer for {$4000.00} from Barclay Card to XXXX on XX/XX/21. I did not received any confirmation the balance transfer was successful from Barclay, so I check my XXXX, the money was not there yet. I found out later that I missed type one digit of the XXXX card, and XXXX did not received the fund cause of invalid credit card number. I admit that my mistake. So I been trying to get hold Barclay Card to find out where's the {$4000.00} ( since I have never received the confirmation of balance transfer completed ). That was 3 months ago, I called Barclay twice a week, been transfers to many departments all over the place, from Customer Service, Balance Transfer Fraud, Dispute, back to Fraud, back to dispute, and now back to Customer Service again. I even submitted the Dispute on XX/XX/21 through fax XXXX - and no response. Meanwhile I'm paying interest on the {$4000.00} that I don't have. Each time I called, it took about 1 hour to explain and to get transfer all over. There's no one can help me. I'm frustrate, and with being lay off due to COVID last XXXX, the {$4000.00} is a lot of money. So I decided to write to you to beg for help cause all the time I spent to call and the emotional stress going no where.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85205
Submitted Via: Web
Date Sent: 2021-11-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/XXXX XXXX mailed a check from the escrow account from refinancing my home {$7000.00} check mailed XX/XX/XXXX Delivered XX/XX/XXXX Cashed XX/XX/XXXX I called to find out what happened .... I emailed them the copy of the cleared check, the escrow account information, contact information ... EVERYTHING .... they are STILL charging me fees... reporting non payments ... even though I still made additional payments .... they are showing me past due, non payments, charging me all kinds of fees ... and now telling me that it will take up to TWO more billing cycles to fix .... that on XX/XX/XXXX it was sent to " processing " and processing can take up to XXXX MORE billing cycles This is illegal!! I am a 100 % XXXX veteran and I don't have {$7000.00} to loose... there is NO REASON they should be reporting late, overdue, and non payments to credit ..I... no reason they should still be charging me fees and more fees .....
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: 2021-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-26
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received a promotional offer encouraging me to shift spending to my XXXX XXXX XXXX from Barclay 's. Terms of the offer were : ================================================================== Use your XXXX XXXX XXXX to earn an additional XXXX XXXX in XXXX XXXX for every {$1.00} spent on grocery store, drug store and restaurant purchases, up to {$100.00} in XXXX Cash each month from XX/XX/2021 to XX/XX/2021. This offer is valid for select cardmembers and is not transferable. If your account is closed or you switch to another product during the promotional period, you may no longer be eligible for this promotion. If you receive this offer and enroll by XX/XX/2021, you will earn an additional XXXX XXXX in XXXX XXXX for every {$1.00} spent on grocery store, drug store and restaurant purchases, less credits, returns and adjustments ( " Net Purchases '' ) with transaction dates between XX/XX/2021 and XX/XX/2021 up to {$100.00} in XXXX XXXX each month of the promotion. Purchases in the specified reward categories must be submitted by merchants using the corresponding XXXX XXXX XXXX ( " MCCs '' ) in order to earn additional XXXX XXXX. MCCs are categories used by merchants based on the goods and services they sell. Barclays uses the MCCs when creating the reward categories, however, we have no control over how merchants choose to be categorized, and as a result, some purchases may not fall into the expected category and will not qualify to earn additional XXXX XXXX. Additional XXXX XXXX may not be earned if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet to pay for the purchase. Additionally, purchases made through third parties, including online marketplaces and resellers, or using a third-party payment account, will not earn additional XXXX XXXX. Failure to maintain your creditworthiness during the offer period may result in actions on your account, such as a credit line decrease, that would reduce your ability to take advantage of this offer. To receive the additional XXXX XXXX in XXXX XXXX, your account must be open and in good standing at the time of fulfillment. All additional XXXX XXXX earned will appear on your statement XXXX weeks after the end of the promotion. ================================================================== I received an email from Barclay 's confirming my enrollment in this promotional offer on XX/XX/2021 ( though I believe that I enrolled on XX/XX/2021 ). To take advantage of this offer, I shifted my spending habits from other rewards credit card to my Uber Credit Card. I believe that I spent at or above the maximum eligible purchase amount. I have not received any credit for XXXX XXXX on my credit card, as promised by the promotional offer. I have opened XXXX customer service complaints directly with Barclay 's, both of which have been closed without resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94123
Submitted Via: Web
Date Sent: 2021-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Timeline for fraud on Barclays XXXX XXXX, XXXX XXXX Some weeks before this fraud was committed, perhaps in XXXX, I received a form letter from Barclays that said that a batch of credit cards that had been sent out in the prior months had problems with the new chips embedded in them. Therefore, they would be sending out new cards. On XX/XX/XXXX, I received an email notice that my new card had been activated. I read it around XXXX XXXX I had received no card. When I read the email, I called Barclays. I reached a young woman who did not seem to know what she was supposed to do. She said she understood that had not received the card and wanted to seek advice. She put me on hold. I waited for forty minutes and she never came back ( see screenshot ). I had a meeting and then need to meet family at an art fair. I thought, well, at least I reported it, and they froze it. I then received an email that the pin had been changed. I called immediately upon reading it, after arriving home. I called again, and reached someone more capable ( I thought ). She confirmed that they had failed to freeze it after I reported that I had not received it. She said the thief had attempted to use the card. I asked if the thief had somehow gotten into my account online and made the charges there. She said, no, this was a physical transaction with a chip and pin card. I said that they must have stolen it from my mailbox, since I had never received it. She said that it was no problemit was outside my usual area and they had flagged it ; she opened a fraud case. I should not be responsible for the charges. We spoke at XXXX for about 11 minutes ( see screenshot ). She said she would cancel the card and send me a new one. I received the new one a few days later and activated it. That night, I filed a report with the post office that the card had been stolen, I assumed from the mailbox. I received a note that the report had been received. I have heard nothing further from the Post Office. On XX/XX/XXXX, I received two letters from Barclays, both posted XX/XX/XXXX. One said I had been found not responsible for the charges, and the other said that I was responsible for them and have charged them to the new accountwhich did not exist when the charges were made. I checked my account and found that not only had they charged the thefts to me, but also they had charged late fees. I called on XX/XX/XXXX at about 2. I admit, I was not particularly nice, which I regret. I demanded to know what was going on. The man I spoke to said the card had never been reported as stolen and I must be responsible because the chip and pin can not be faked. I reiterated the original conversation and said I had been quite clear the card was stolen. He said it was marked missing. I was furious. He said he would reopen it as a fraud investigation and told me to fax (! ) or snail-mail my document showing I had reported it to the post office, etc. I then called XXXX to file a police report. They have assigned the report number as XXXX. XXXX said I would have to also file in XXXXthe postal theft was in XXXX jurisdiction, but the fraudulent use was in XXXX. I called on Tuesday XX/XX/XXXX. XXXX PD refused to file the report ; they said it had to come from XXXX I called XXXX who advised me to wait until their report posted and then we could forward to XXXX. I also spent quite a bit of time online updating Barclays information. Then, I received a notice that my phone number for the account had changed. I had not changed the phone number, but I might have confirmed it. I also noticed the amount was still showing as fully owing. I called Barclays AGAIN at noon Tuesday the XXXX. I reached the fraud investigation unit, who told me that the person I talked to the day before had never reopened it as a fraud claim. I said, you mean, he lied to me? The man I spoke to said yes. I reported AGAINthat the fraud case needed to be reopened. I said I wanted to talk to a supervisor. He said he would put in a request for one to call, but it might be several days. He then said I needed to talk to securitywhich is oddly, a different unit than fraudabout the phone number issue. At security the person I talked to was genuinely helpful. She said the phone number had not been changed, but she thought ( perhaps ) someone had tried to? She said she would escalate the prior request for a supervisor callback, so I could talk to a supervisor sooner ( the prior person had indeed made the request ). She added a verbal password to my account. Finally, I asked to her freeze the card. She said she did. My XXXX timeline shows I was in XXXX all day on the XXXX. I worked from home, and then went to an appointment with family within XXXX. Likewise, the day before and after, I was in XXXX, working from home. But the card was used physically in XXXX -- at least a XXXX hour drive agway -- on the XXXX. I could not physically have been in XXXX and in fact have not been in XXXX for some years. My XXXX timeline confirms this. The two transactions were at XXXX XXXX XXXX XXXX XXXX. The first was for XXXX and the second was for XXXX at the same addressan address that shows up on XXXX as a mall. The Merchant Category is Financial Institution. These were taken as cash withdrawals. If they were taken from an ATM, perhaps there would be pictures? The only financial institution I see at that address is a XXXX XXXX, but I suppose it might have taken place at an ATM? It seems very odd that the statement lists only the address, the business type, and not the name. I would also like all of the recordings from my interactions with Barclays. I am beginning to wonder if there is a larger scale fraud issue here. A large number of cards are to be reissued because of chip problemsproblems which I did not have with my card, incidentally -- and somehow a thief just happens to pick it up out of my mailbox on the day it arrives? Seems oddas does Barclays handling of the problem subsequently. Maybe the card was stolen before it ever reached my mailbox? Maybe more than one was taken? I would be interested to know when this tranche of cards was printed, was shipped, and from where, through what relay points. I would also be interested to know if any other cards in that batch turn up in fraud cases. Tuesday XX/XX/XXXX at XXXX XXXX, I received a call from Barclays. I was hopeful that it was the supervisor getting back to me. When I answered, it was an automated notice that my account was past due. With interest and now late payment fees, Barclays is now dunning me for XXXX. I would like that debt wiped out. I would also like an apology and an investigation into how this was handled so badly. Barclays has wasted an enormous amount of my time.
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: 2021-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have a business credit credit for over 7 years with BARCLAY, on XX/XX/2021 Barclay decided to migrate the business account and combine it with my personal account! Since then I have NOT been able to access my business account! Every month I have been calling and they can not located my business account anywhere,, but they call me every month to get a payment but can access it???/ ONE REP TOLD ME IN XXXX MY XXXX XXXX DID NOT MATCH AND SHE WAS GOING TO ESCALATE, I'M STILL WAITING.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11701
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Dear Sir or Madam, 1. BRCLYSBANKDE Account NumberXXXX* 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 XXXX days late on this account in 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 XXXX 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 BCC : 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: 75150
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A