Date Received: 2021-11-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received a brochure offering no annual fee if using the application and code provided in flight. I entered this and was still charged {$99.00}. Reached out to the company and was denied on XX/XX/21 and received a follow up letter saying there was nothing they could do. Attaching the brochure I was provided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68154
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. Accounts Opened Amount XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$760.00} Hard Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Barclays Bank Delaware XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24017
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: There are 3 addresses reporting to my credit. Please update my address to only one address. That address is in the attachment of this complaint. This is my current photo ID with my license. There is also a copy of a utility bill serving as a second proof of residence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I am constantly being harassed and threatened with legal action for a debt that is over 12 years old and has already had a negative impact on my credit score. The company 's name is XXXX XXXX XXXX XXXX ( XXXX ) XXXX. The initial debt was with Barclay 's bank Juniper card. I get at least two phone calls per week with these threats.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11238
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
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 accepted an offer for a balance transfer to my checking account for {$4900.00} with {$98.00} fee. This was charged to my account twice on XX/XX/XXXX. This double billing put me over my credit limit by {$5000.00}. I knew that with that showing on my account they could report it to the credit bureau which would very much impact my credit score and cause other companies to raise my interest rate. I contacted them immediately by phone. The first person indicated it would be corrected within 24 hours. It was not. I called 4 more times and each time I was given different information. The 3rd call I got a case number and told it could be 7-10 days to correct. I sent 7 emails to their secure email with none of them being read. I faxed the information providing copies of the double posting ... no response. I knew my statement would drop on the XX/XX/XXXX and it automatically goes to the credit bureau. I had to take every penny I had and pay my balance back down to the credit limit to prevent it from showing up as over my credit limit so the balance transfer hurt me much more than it helped. Now I've been informed it'll be another 25 business days before they can give me their " outcome '' decision.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31904
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I applied for a credit card while vacationing in XXXX XXXX Nevada on XX/XX/2021 I was approved and received my Barclays credit card on XX/XX/2021 at my home address and called to activate it on XX/XX/2021. On XX/XX/2021 I tried to make a purchase with my Barclays credit card and found out that it had fraudulent charges XXXX that I did not authorize put on the card by merchant Wyndham Vacation. I called Barclays to report these fraudulent charges on XX/XX/2021, Barclays closed that credit card and issued me a new Barclays credit card with a credit limit of XXXX, I received the new card XX/XX/2021. I activated the new card on XX/XX/2021, Barclays investigated the fraudulent charges on the old card number and found that it was a fraud and sent me a new balance on the old card of XXXX balance and I received a letter from XXXX XXXX deleting the charges from my credit report. I start using my new Barclays credit card on XX/XX/2021, then on XX/XX/2021 I tried to use my Barclays credit card with the XXXX credit limit and found out that it was over drawn with fraudulent charges that I did not authorize again from the same merchant Wyndham Vacation on XX/XX/2021 Wyndham charged my card XXXX and again a second fraudulent charge on XX/XX/2021 in the amount of XXXX over drawing my credit limit of XXXX for a total of XXXX. I called Barclays to report these fraudulent charges and was told " I had to wait ten days to report these charges because they couldn't see the charges yet. I asked why they could not see the charges and I could see that my card was over drawn with fraudulent charges. XXXX is the person who told me this on XX/XX/2021 at XXXX Id # XXXX, I asked XXXX how was it even possible for Wyndham to fraudulently add charges to my card when I have only XXXX of available credit, but Wyndham was allowed by Barclays to fraudulent charge my credit card XXXX twice on XX/XX/2021 and XXXX for a total of XXXX. Barclays has yet to respond to these fraudulent charges so I called to have the second Barclays credit card closed also.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I requested a credit line increase with Barclay US and they pulled my credit again. I was not notified that they were going to use a hard inquiry on my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I was sent an email to apply for Carnival Credit Card. In XXXX I was sent a letter with instructions to send a copy of driver license social security card and untillity bill. I got the same letter the next month. I sent the information again.the next month I received th same letter, all with the month changed. So I called an was told that they could not read the information So I sent an enhanced pitcures and got the letter again. By now it has XXXX I sent another response? letter and the enhanced copies. I recieved it again in XXXX. When they see my picture and I am XXXX XXXX am I being discrimated against?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72206
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
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 and XX/XX/XXXX, two fraudulent charges were made to our Barclays credit card in the amounts of {$970.00} and {$860.00}. These two charges were to XXXX XXXX XXXX XXXX in XXXX, Texas. We immediately reported these charges to Barclays and they credited our account. New credit cards were issued. On XX/XX/XXXX, the two charges were again posted on our credit card account. We called Barclays and were informed that the merchant had verified our address and name with the credit card number so Barclays felt they were valid charges. We were told that we should reach out to XXXX XXXX & XXXX and were provided the phone number that Barclays had. We tried multiple times to call this " merchant '' during normal business hours and at night. The phone number goes to a voice mailbox that has not been set up and will not accept messages. We googled the address of the " merchant '' and found that it is a residential home in XXXX, Texas with no signs or indication of a business. The " merchant 's XXXX page had only 2 followers as of XX/XX/XXXX, and had not been updated since XXXX. Their XXXX page had 0 followers as of XX/XX/XXXX and does not have any activity or posts. We called the XXXX, Texas Police Department and were told that they know of no business in their town named XXXX XXXX XXXX XXXX XXXX. They advised us to file a police report with our local authorities, which we did. On XX/XX/XXXX, my wife spoke with a Barclays fraud department representative named XXXX & explained our frustration that Barclays had not investigated further. XXXX told her that the charges were for paint protection, headlight restoration, and auto glass replacement. She did not tell us what type vehicle the work was done on or provide any further information. She said we could file a claim to dispute again ( which we did ) but as far as they were concerned the charges were valid and the investigation was closed. We live in XXXX XXXX, Arkansas, which is 298 miles from XXXX Texas. We would not reasonably take a vehicle that far to do auto repair work. From our valid credit card charges on the same days, it is obvious that we were not in Texas at the time these purchases were made. We have never done business with any merchant named XXXX XXXX and XXXX in XXXX, Texas. From our own investigation, we feel this is not even a legitimate business. We regret that Barclays did not feel the need to further investigate these transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 71913
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine. 2. Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft BARCLAYSBK Account Number : XXXX This is not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10038
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A