Date Received: 2023-12-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I was made aware of an account that was created fraudulently. I placed roughly XXXX calls to the credit issuer. I was transferred and bumped to a number of different departments all whom claimed they were unable to help me. I believe they are at minimum not proviuding adequate service and support to a consumer who is working to resolve a criminal issue and I believe they are in violation of my rights made clear by section 1026.6 in the CFPB guidelines.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96720
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
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: A credit card was open in my name and a flight was purchased. I immediately got notification and canceled the flight and opened up a fraud investigation. The fraud unit said that I was liable for the cost of the flight which I did not take. They never contacted me. They never provided me with any details about the purchase of flight time what time I canceled the card. They did not complete an investigation and continue to charge me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
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: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: A hard inquiry is showing on my XXXX from Barclays I did not apply for this line of credit and reported they said they would not process the application and report it as fraud but the hard inquiry is still showing up
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72450
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: In reference to ID # XXXX the response was insufficient to the previous claim and charges. 15 U.S. Code 1611- Criminal liability for willful and knowing violation ; As the real beneficial owner of the account that Barclays has been fraudulently claiming the credit from the DTC. I requested my initial credit application be rescinded and all Securities Collateral. Per public law HJR-192 and Title 31 of the United States Code Section 5118 ( d ) ( 2 ), and the Fair Debt Practices Act, aka, Consumer Protection Act at 15 U.S. Code 1601 and 1693 from demanding payment in any specific coin or currency of the United States is against public policy. You at Barclays have failed to perform your duty as fiduciary trustee of the account. The debt in request is a financial asset per Barclays 4249b ) ( 5 ), as the issuer you were obligated to pay the interest on the debt securities, which you send as a billing statement each month. I am the investor/lender, per 12 U.S. Code 1431 - Powers and duties of banks, ( a ) Borrowing money ; issuing bonds and debentures. Barclays did not lend me anything and should be paying me as the investor instead using it as receivables and financial asset to the benefit of the bank. Failure to rectify this situation compel a complaint with the Securities and Exchange Commission ( SEC ), asserting non-compliance and potential SECURITIES FRAUD and the IRS Criminal Investigation Division ( 3949-A ) for an audit of the off ledger accounting for possible tax evasion.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 655XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On XX/XX/2023 I entered into a settlement agreement with Barclays Bank Delaware through their attorneys XXXX and XXXX regarding a lawsuit they had filed against me regarding an alleged credit card debt. Shortly thereafter I made payment in the amount of {$1300.00} as specified in the stipulation of settlement. In early XXXX I became aware that Barclays was continuing to report the account as a charged off debt with an outstanding balance in direct violation of the settlement agreement and made multiple attempts to contact Barclays by phone and email receiving no response. I then contact the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and was informed of the following : XXXX. The Stipulation of SettlemenXXXX and Notice of Discontinuance provided to me by XXXX and XXXX had never been filed with the court and XXXX. The court had denied Barclays Motion for Default Judgement and Dismissed the initial complaint against me on XX/XX/2023. I believe that Barclays Bank and XXXX and XXXX fraudulently induced me to make payment on an account I was not legally responsible for, falsely represented the status of the lawsuit against me in negotiating a settlement of a case which had already been dismissed and knowingly reported false information to the credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10022
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I called on XX/XX/XXXX and XX/XX/XXXX to get informatin on a Barclays card that shows up on my credit report. I was told that Barclays closed this account in XXXX. I asked when the last payment was because this account is very old and I hardly remember it. Rather than help me they said they could not provide any information and they hung up on me. I am requesting that Barclays be removed from my credit history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 857XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX I received the following text " Free Fraud Alert : Jet Blue Card ending XXXX XXXX A charge for {$2600.00} at XXXX XXXX XXXX was not approved on XX/XX/XXXX. Reply 1 if valid. Reply 2 if not valid ''. I immediately responded by typing " 2 ''. See attached for further information. A hold was placed on my card and I called the credit card company BARCLAYS on XX/XX/XXXX to investigate the charges as well as other charges. I was informed there was a charge for {$3000.00} to XXXX establishment as well and the charge was approved. I disputed the charge and the credit card company credited my card pending investigation. On XX/XX/XXXX, I noticed the charge of {$3000.00} recurred on my card. I called again to dispute charge and a temporary credit was issued pending a second investigation. I tried calling the credit card company but not success in resolving this issue.I received a letter XX/XX/XXXX, indicating the charge is valid and the {$3000.00} was applied to my account. I called the credit card company BARCLAYS to request video, picture, signature or other proof. The credit card rep reported the charge was made in person.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11411
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2023 a hard credit check was done by XXXX followed by a charge and balance amount of {$3400.00}. Called XXXX on XX/XX/XXXX was told they were reporting identity theft and would be sending out a claim information letter. On XX/XX/2023 a hard credit check was done by Barclays Bank of Delaware, at XXXX XXXX received an email with receipt of a charge for {$200.00}, at XXXX XXXX received a from Barclays Bank to verify if I was opening this account and replied no. I put a freeze on all XXXX of the credit reporting agencies
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 138XX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XXXX XXXX credit card was not made by me. Theres an outstanding balance there under my name which im not responsible for
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96817
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I am filing a case with the Consumer Financial Protection Bureau ( CFPB ) to report the issues I have been experiencing with Barclays regarding identity theft and fraudulent activities. Here is a summary of what happened : On XX/XX/ 2023, I received an e-receipt stating that my Banana Republic Barclays credit card was used for a transaction of {$710.00} in the state of Florida. However, I have never been to that state, and I can provide phone records to prove that I was at work in my own state at the time. Immediately after discovering this fraudulent activity, I contacted Barclays to report the identity theft. The following day, I received a credit alert notifying me that a Barclays XXXX XXXX credit card had been opened in my name. I promptly contacted Barclays again, filed a case with the Federal Trade Commission ( FTC ), locked my credit file, and disputed all the charges. I was informed that the cases were under investigation. However, Barclays has failed to conduct a thorough investigation and has been unhelpful in resolving the issue. Their customer service representatives have been uncooperative and have provided vague responses. Whenever I report fraudulent activity, Barclays automatically issues new cards. However, even before I receive these new cards, I receive alerts that the cards have been used again. I have spent countless hours on the phone with Barclays, but they have not reached a resolution. To make matters worse, on XX/XX/XXXX, Barclays allowed a card that I had reported as fraud and was under investigation to be used, resulting in a loss of {$510.00}. These illegal activities seem to be specific to Barclays, leading me to suspect that an employee may be involved. Barclays informed me that the only mechanism they have in place is for me to report fraud when it occurs. Despite my requests, they refuse to refrain from issuing new cards under my name. I feel helpless as there seems to be no end in sight. Every morning, my first task is to check if any illegal activities have occurred in my Barclays accounts. I have provided Barclays with all the necessary documentation, including a police report, FTC report, and phone history to prove the origin of my calls and the steps I have taken to protect my credit since XX/XX/ 2023. However, Barclays has taken no responsibility for the situation and continues to claim that they can only act retroactively if someone opens an account in my name. Furthermore, the person responsible for this fraud also requested a credit increase on a card that I never requested. The situation seems to be never-ending, as another card was used in my name just yesterday, once again from Barclays. I am in desperate need of assistance to resolve this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A