Date Received: 2021-11-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX, we ( my wife and I ) went to a Timeshare presentation provided by XXXX in XXXX XXXX by XXXX. XXXX. When the presentation was finished, we told the sale rep that we were not interested, and were just there for the gift. The sale rep played this game where she said okay, since you are not interested, let 's go ahead and finish the process and they can let us out of there with our gift. She went ahead with her tablet, asking us to put in our social security number and sign. I had a doubt, so I asked : " Are you performing any kind of hard pull ''. She said no, that was just for qualification check. She didn't say what qualification, therefore, based on what she said, we were just assuming she needs it to qualify us for the gift to get us out. Please note that in this whole process, she never even mentioned XXXX world called " credit card ''. Soon enough, we saw a hard pull on our credit. A few days later, a new credit card was made in our name. XXXX. Sure enough, we went on XXXX and search for this XXXX and found : Countless of people had the same problem where they applied for a credit card and performed hard credit check by tricking people. Please note that with a brand name behind their back ( XXXX ), it is very easy to trick people by manipulating their decision making. For example, If I go to XXXX Bank today to open a checking account, and If I have never gone to a bank before, XXXX could easily apply a credit card for us by telling us to provide SSN and ask us to " sign here '' in their tablet. Nowadays everything can be done electronically, and the signature page is only at the bottom or the last page. Therefore, they can just present us the signature page ( which is what XXXX did to us, they only shown us the signature page asking us to sign to be done ), and we are tricked because we think XXXX is a big company and they wouldn't do that. XXXX. Please note that this complaint is about fraudulent activity that XXXX did to manipulate and trick people to sign. This is proven by countless XXXX reviews from different time and clearly, it is not a coincident that many people had the same problem. XXXX knew about this and purposely did this to trick people to apply. We are applying for a loan, and I have more than XXXX credit cards in my name already ( with 0 % utilization ). I clearly know when I want to apply for a credit card and there is absolutely no reason or incentive whatsoever for both of us to apply for XXXX credit card there.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received a promotional offer from XXXX for a {$60.00} XXXX credit for signing up for a XXXX XXXX membership. See below Promotion : Promotion is for a {$60.00} statement credit for the purchase of a new XXXX XXXX XXXX XXXX or XXXX XXXX XXXX Membership. To qualify for this promotion, you must purchase a XXXX membership online at XXXX or XXXX at any XXXX XXXX XXXX XXXX your XXXX Rewards XXXX Credit Card XXXX XXXX Rewards XXXX XXXX XXXX XX/XX/XXXX. New members must be 18 years of age or older. ( End of promotion ) I purchased a membership on XX/XX/XXXX @ XXXX XXXX # XXXX. I was never credited the {$60.00} purchase. On XX/XX/XXXX I send a secure message to XXXX inquiring about the credit. I was told I needed to call XXXX. See below. Hi XXXX XXXX : Thank you for contacting us about your XXXX XXXX XXXX XXXX XXXX. In order to provide you with the most individualized service possible, we ask that these requests be made through our XXXX XXXX Department. Please contact us at XXXX. Our agents are available XXXX hours a day, 7 days a week, to discuss what options are available on your account. We apologize for any inconvenience this XXXX cause. We hope you find this information helpful, and we thank you for your continued business. If you have any other questions or concerns, please reply to this message. Sincerely, XXXX XXXX ( End of email above ) On XX/XX/XXXX I called XXXX in a XXXX minute at XXXX second call and was told by the representative that the {$60.00} credit would be on my next statement. That statement closed on XX/XX/XXXX with no credit applied. XXXX has misrepresented the promotion of which I met all of the qualifications AND then again misrepresented in a phone call on receiving the {$60.00} credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 618XX
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2021 I was the victim of computer scam. My computer was flashing a red screen with a phone number to call. I called the number and the " Hacker '' told me they were with XXXX During my interaction with the hackers they advised me that I needed to contact my bank and my credit card companies to advise them I needed extra security on my account. So I went ahead and contacted my bank and spoke to a customer service representative and let them know I needed " extra security measures '' on my account. Then in order to get my computer fixed I needed to get a disposable phone that cost me {$XXXX} and then I had to buy XXXX gift cards from XXXX for {$XXXX each and the go back and buy XXXX more gift cards for {$XXXX} each,. XXXX days after on XX/XX/2021 I was contacted by my bank and was advised that I had been scammed. They also advised me to call all of my credit card companies and to make a police report. So I went and filed a police report about the scam and I disputed charges with my credit cards. XXXX XXXX the credit card company has not been cooperative and is not helping me and has denied my claim. My credit union thought that it was serious enough that they froze my account and wouldn't unfreeze it until I had my computer checked for bugs. I have a receipt invoice from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. The phone number is XXXX. The invoice number is XXXX. The invoice date is XX/XX/2021. The payment due XX/XX/2021. The amount due is XXXX dollars. Items quality price amount labor removed fake XXXX remote access. Cleaned up machine from malware infections. Installed latest XXXX XXXX update, patches, and drivers. Installed malware bytes protection {XXXX}. That's what's stated on the receipt. On XX/XX/2021. I sent them all the information that I have like the police report and the XXXX, and I sent them a copy of the computer removal. I tried to attach files with this complaint but are too large. I have a letter dated XXXX XXXX stating that I would not be responsible for the activity. I have the statement due on XXXX XXXX with credit for the XXXX {XXXX} charges and I have a copy or the payment statement after I got an alert that i was near my credit limit on XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37312
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: There was an uber barclays credit card that was opened using my social. I never applied for this card. Someone has access to my social and has used my identity and social to apply for credit fraudulent, including this uber barclays credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92604
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
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: My problem started on XXXX XX/XX/2021, when I received a letter from XXXX credit card from Barclays dated XXXX XXXX XXXX stating that my XXXX credit card from from XXXX was being replaced with a XXXX credit card from Barclays in XXXX, giving details of the contract. I had XXXX for 19 years and was happy with the service so I did not want to change companies. I called the number in the letter to tell them not to send their card and that I did not want it. When I called, all I got was a recording and I was unable to stop the cards from coming. PARAGRAPH 8 of the letter states that I can call and reject the offer but the cards would still be sent. I sent a letter to XXXX on XXXX XX/XX/2021 which is attached. I made several flow up calls and as of today, I have yet to receive a call. I was given a case number, XXXX. Because I was happy with XXXX I got a new XXXX card. With that background, here is where my major problems begin. On XXXX XX/XX/2021, I stayed at the XXXX XXXX in NJ. They charged my old credit card {$150.00} in case there was any damage to the room. A copy of the charge from XXXX showing the charge is attached. On XXXX XX/XX/2021, the hotel credited the {$150.00} back to my old XXXX card ending in XXXX. On XXXX XXXX, I received a letter from Barclays stating that I owed {$330.00} On XXXX XXXX I sent a check for the full amount and asked that they send me statement showing who I owed this money to, see attachment. When I got the statement, It did not show the {$150.00} that was credited back to my old XXXX card. In addition, it showed a late fee of {$29.00}. I called Barclays and they told me that they do not show any {$150.00} credit and to call XXXX. I called XXXX on two different occasions and both times I was told that they could not help me me that I had to resolve it with Barclays. I made numerous calls to Barclays to resolve this problem as well as the late charge of {$29.00}. My complaint was elevated to a second level to resolve. I pointed out my letter that I sent on XXXX XX/XX/2021, that I could not possibly be late when I sent a check the following day that I received the notice. I was told that the {$29.00} was credited back, which it was not. My complaint was alleviated to a third level on XXXX XX/XX/2121. I was told that the {$29.00} would be credited back and the $ {$150.00} credit would show up on XXXXXXXX XXXX statement. On XXXX XXXX, I made a follow up call and was told they were not showing and {$150.00} credit and I was given an address to file a complaint to the XXXX XXXX, which I did on XXXX XX/XX/2021, copy attached. Yesterday, I made a follow up call to Barclays and I received a recording blocking my calls stating that I no longer have an account and my balance owed was zero. So now no one will talk to me and all three are pointing there fingers at each other. Some one has my {$150.00} and it is not me. Please help ... XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34655
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
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: on XXXX i paid XXXX to XXXX for an item that isn't even sent... it's been 15 days and nothing yet this company when I called and when trying to dispute it on the website says wait, no I won't. I bought from XXXX AFTER that date and got things so they messed up. I want the credit. The tracking number I provided shows that it never was delivered ie, Tracking Number XXXX XXXX is what they claim the carrier is XXXX, XXXX. Account ... XXXX {$5.00} ON STATEMENT AS XXXX, XXXX. MERCHANT LOCATION XXXX CA XXXX TRANSACTION DATE Tuesday, XX/XX/2021 POST DATE XXXX XX/XX/2021 PURCHASED BY XXXX XXXX MERCHANT CATEGORY PHOTOGRAPHIC STUDIOS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02760
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 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. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 1. BARCLAYS BANK DELAWARE XXXX Opened XXXX. XXXX, XXXX Balance {$2600.00} ; 2. BARCLAYS BANK DELAWARE XXXX Opened XX/XX/2015 Balance {$1500.00} ;
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Frontier Airlines closed my Frontier Barclays Credit Card due to inactivity. When contacted, Barclays representative stated that they typically send a written warning to card holders notifying them of the pending closure unless they utilize their card within 30 days. I received no written notice ( no notice of any type ). My current Frontier Barclays Credit Card is valid through XX/XX/23 ( if it had not been closed ). Frontier offered to reopen my credit card for an annual {$79.00} fee. I believe Frontier/Barclays closed my " no fee '' Barclays Frontier Credit Card to force me to a Frontier Credit Card carrying a {$79.00} annual fee. I would like my old Frontier Barclays Credit Card reopened. This seems like an unlawful action by Frontier Barclays Credit Card. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 812XX
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92106
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Back in XXXX of XXXX I was a victim of identity theft I have hard inquiries from XX/XX/XXXX until XXXX of XXXX on my credit that I didn't run also I have credit cards that were fraudulently used due to my identity and the companies don't want to clear it up like Barclays Bank from Delaware the amount they say I owe is {$1900.00} that account has been jeopardize due to Identity theft somebody tried to make a false payment and I'm paying for it also have a lot of closed accounts that I didn't apply for
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95901
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A