Date Received: 2021-11-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XXXX failed to investigate my disputes properly just updated failed to have there customer / creditor provide them proof after documentation was sent showing debt was owed Failed to work in my favor to correct the problem Lowered my credit scores to hurt me because I disputed the information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61107
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: This is a follow up to my first complaint which was never resolved but the case was closed. I applied to Barclays for a credit card and gave all the personal information plus the follow up documents that were requested. I never heard back. I tried for weeks to contact them but never was able to speak to a representative. When I finally did, I was told the request was denied but I had never been notified. I was told a letter would be received, which, to date, has never come. I asked to speak to another person and was refused. I submitted a complaint to your office and an inquiry was initiated, I heard from a Barclay 's XXXXXXXX ( " XXXX '' -no last name ) who stated I would need to resubmit the documentation and I declined, having submitted personal information twice already. I was asked if I wanted to withdraw the application and I agreed to avoid more " lost documents '' - ( as " XXXX '' stated ). I received a phone message to which I responded XXXX times but never heard back. To date I have NEVER received " the letter '' explaining why I was rejected. I checked my credit score and it was not the problem. Now that I " withdrew '' my application '' all has been disregarded, including in your office but it does not in any way solve the problem of the collection of extensive personal information and no notification whatsoever about the rejection. No, this case is definitely not solved! I will continue to pursue this as this financial institution has my personal information and I have received nothing about the reason for the declination. Withdrawing my application does not correct their transgressions and closing the case does not eliminate the situation. I was definitely NOT going to RESUBMIT more financial information when I had already done so on the phone and by email and received NO RESPONSE in return. Why did their office never return my XXXX return phone calls? They left a message and never called me back after " XXXX '' offered to withdraw the application, which I have since found out will adversely affect my credit rating. This is abuse of XXXX XXXX of the highest order and I have received no answers from you, them or the XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11757
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/2016, I updated my mailing address ( which was previously a po box ) to my current residence/mailing address. At that time, I opted out of online statements and contacted Barclay to update my address so I could continue receiving my credit card statements timely at my current mailing address. Unbeknownst to me, my address was not updated correctly by the customer service representative who assisted me which resulted in one missed payments ( two dings on my credit report 1-30 day and 1-60 day ) before I was able to correct the issue and bring the balance currently. Please note that my account was paid timely and in good standing with XXXX missed payments before Barclay 's made this error and has remained in good standing to date. Barclay refuses to remove the late payments despite it being their fault that the account was not updated with the correct address upon my request, despite various disputes over the years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90277
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I received a high negative impact on my credit score from Barclays for {$120.00}. I was taken back by this because I have logged in multiple time over the last year and few months to make sure I do not have a balance as I have not been using my credit cards much in order to improve my overall credit score. Each time I log in I have a {$0.00} balance and I have not received any statement. I called Barclays today to report this and they let me know my card number changed and I was unaware of this. I do not have the new card, never requested a new card or card number. Due to this my account with Barclays has been false since this new card number was not updated in my account. The fees I have no issue paying. I just put the payment in today now that I know. I called Barclays to hopefully make this right and take the negative report off and they are unwilling. They told me I would need to call the credit bureau to file a dispute. I did that as well today with a XXXX however I am concerned that this will not be enough and Im worried that maybe I should stop using Barclays all together since I have not received a statement in regards to this and they have not reached out to inform me of any changes and unwilling to help me over the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34238
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: We rented a XXXX in XXXX via XXXX this past XXXX. The XXXX advertised it to have a swimming pool and a brick and mortar built in grill, with a long cutting counter. We invited six XXXX friends to come and have BBQs with us. When we arrived to the property, the unit had no swimming pool or grill. The unit was also an apartment, and not a villa, as advertised. The nice built in grill had been removed, and there was never a pool. Bathrooms were missing toilet paper, lots of burned light bulbs and dirty lamp covers. Quite a bit of broken tile floors which were hazardous to walk. Mold in bathroom ceilings, and the likes. When we questioned the owner on being no pool, he said to use the hot-tub for swimming!, and dropped a cheap metal grill in a box, expecting us to assemble it during our vacation. I tried to resolve with XXXX and they dragged me for 20 days via messages, but never called me back, as I requested multiple times. Eventually, XXXX sent me a message saying they closed the case, and they shut off the communication link to write. On or about XX/XX/XXXX, I disputed two of the three {$850.00} charges made on to my XXXX Mastercard on XX/XX/XXXX. Days later I received a letter confirming the disputes under case numbers XXXX and XXXX XXXX, explains that it would take unto 45 days to hear back from them. To play safe, last Friday XX/XX/XXXX, I called to check the status of the disputes. They left me on hold for over 45 minutes and I had to eventually give up the line. I called them today, XX/XX/XXXX, and the employee that answered told me the disputes were closed last week because they needed more info on the cases. When I asked her if they sent me a request for more documentation, she said no. I then asked if they heard back from the merchant, and she confirmed the merchant did not respond. When I questioned how would they close a case without fully investigating it, she did not know how to respond. I followed up with another call, after holding 25 minutes for it, and same answer from another lady. All calls are routed to XXXX and some of the communications are of very poor quality with static noise. I do not understand how they can just close a case and not follow FCRA guidelines giving me the chance to provide any necessary documents, or respond to questions, or not even wait for a merchants response. I should note that when I called them while we were in XXXX, at least 4 different days their autoresponder said they were having system issues and could not provide any answers related to the accounts. Lately, when you call XXXX XXXX credit cards they take well over 20/30 minutes to answer calls. These are signs that they may have been cyber hacked. I work in the mortgage lending environment and know from the courses we take at work, that these are signs of a system having been cyber attacked.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33308
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
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: Two charges on my credit card or in dispute because I did not make the charges or order anything from the company. Credit card company said I would not be charged a late fee because of the charges in dispute. They have charged me two late fees even though they said they would not. I have much difficulty trying to talk to somebody at the company, and they have no email address that I can find.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90403
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My Barclay XXXX XXXX credit card account ( XXXX ) was opened in XX/XX/2021. Since the opening the account, I did not receive any paper monthly statements or any paperless monthly statements ( i.e. email notification ) from Barclays Bank since XX/XX/2021. The only notification from the bank was a text message on or around XX/XX/2021 regarding the account. I immediately contacted the bank and was informed of the past due balance in the amount of {$49.00}, including late fee of {$39.00}. I immediately sent in the full payment in the amount of {$49.00}. The payment was posted on XX/XX/2021. Since Barclay did not provide any paper or paperless statements ( e-notification ) for the period from XX/XX/2021 to XX/XX/2021, I did not received proper notice of the amount due and the payment due dates. When Barclays reported that my account status was " delinquent and past due for 30 days '', such reporting was inaccurate. Had I received proper paper or paperless statements, I would have paid the outstanding balance before the due date. Based on the fact that no paperless statement was sent to notify me of the balance due date, the negative information reported to the credit reporting bureaus is incomplete and unverifiable information. I believe that it is unethical for Barclays Bank to report such negative information when the bank mistakenly did not send me any paper or paperless statements, to properly notify me of the outstanding balance and the due date. I have excellent payment record for the last 40 years. I always paid my balances on time, as long as paper statements or e-notifications are properly sent to me. Such negative information from Barclay is detrimental to my credit rating, with a substantial credit score drop of XXXX points, from XXXX to XXXX currently. Your prompt attention to resolve this matter is greatly appreciated. Best regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95124
Submitted Via: Web
Date Sent: 2021-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Credit applied to account on XX/XX/21 before billing cycle payment due on XX/XX/21. Barclay 's charged {$28.00} late fee, plus they failed and refused to apply credit to account to reduce the total among due or refund the credit or REFUND directly to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 623XX
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX- XXXX, Ga XXXX XXXX Dear Sir/Madam : Re : Complaint Against Debt Collectors : ( 1 ) XXXX Barclays Lawyers for a XXXX credit card for {$3700.00}, Judgment Lien granted. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX for a credit card, Judgment lien granted for {$2500.00}. ( 3 ) XXXX XXXX Bank for XXXX XXXX for a medical credit card for {$2300.00}, Judgment Lien granted . ( 4 ) XXXX XXXX XXXX XXXX XXXX for a credit card for {$3700.00}. ( 5 ) XXXX XXXX XXXX for XXXX for {$7000.00} for a credit union on the job loan. ( 6 ) XXXX XXXX for {$32000.00} for XXXX federal student loans. All others claiming our debts. We are writing to make a formal Complaint about against the following debt collection businesses and collectors. All our debts were open prior to XXXX. But we unexpectedly retired because my husband had to leave his job. With financial issues on hand, we contacted our debtors and told them of our situation, stopped using their credit and cut up all credit cards. On XX/XX/XXXX, we moved from XXXX XXXX to XXXX. But our creditors kept calling. We kept telling them our retirement income was much less than our prior income. They bombarded us with telephone calls and made it difficult to communicate reasonably. Eventually, most of our accounts ended up with debt collectors Our incomes were from public retirement and social security which could not be garnisheed. They were legally bullies and some had more than one collector claiming to own our debts. They would seek more than the Judgment Lien. These debt collectors were deceptive. So far, they have placed three judgments liens against our home for this credit card debt. Sadly, we had made payments on these charged off debts. It appeared that these debt collectors accessed without our consent our credit reports. They would use warnings, scare tactics and schemes to try to intimidate and to legally overwhelm us. They would call every other day, and would they change their telephone numbers each time we would block them. They seemed to be competing by obtaining accounts that we were already arranged payments on. They would claim to be governmental agents, some would offer us a three-payment settlement but as soon as we make the second payment, a new debt collector say they own that account. They changed the amount owed by us, the dates of debt, double billed, collected on accounts closed and/or inactive for years, made false offers and even lying to us and about the information about our accounts on our credit reports. One debt collector, Barclays Lawyers would not stop hounding us for {$3600.00} for a credit card. We tried to reason with them, but their greed and power was overwhelming. Their lawyers took us to court in XXXX XXXX and received a judgment against us. We set up a payment schedule with Barclays lawyers for {$60.00} a month. After about seven payments, the lawyers flipped the script. We applied for a high finance personal loan with for a dental emergency. It was approved and the loan was deposited in my bank account. But the Barclays lawyers froze the {$2400.00} in our bank account. We went to our bank, and they told us the Barclays lawyers froze our account. The original Judgment against us was granted to Barclays lawyers in XXXX XXXX but they filed the bank Hold paperwork in XXXX XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX is near XXXX XXXX and 217 miles from XXXX. The Barclays lawyers won and was given our {$2400.00}. Later they sent us a discharge, but credit reports still have incorrect information. How did they know when we applied for credit, when we were approved and when to freeze our bank account? We welcome these debt collectors to collect from us the right way. But some are using unethical and/or scams to collect from us. Please investigate our situation and hopefully this will help us and others. Copying is expensive but we have records.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31705
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
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: 2 Merchants are trying to refund my purchases but Barclays isn't helping at all. I have documentation proof from both merchants showing they have tried crediting my card back. Barlcays asked for those documents and now they're saying the charges are valid which is really confusing because the documents clearly state im due a refund. those charges are XXXX XXXX on XX/XX/2021 for {$2000.00} and XXXX on XX/XX/2021 for {$1000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95377
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A