Date Received: 2021-11-01
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: The date of the charge was XX/XX/21, the amount was {$640.00} and the merchant was XXXX XXXX. Initially, the charge was removed from my Barclay account after I disputed the charge online, but then I received a letter dated XX/XX/21 stating that the credit card 's fraud department had determined this was a valid charge and it was added back onto my account statement. On XX/XX/21, I spoke with XXXX ( Operational ID # XXXX ) who told me the charge would again be removed within 30 days. The fraudulent charge was never removed. I called again and was told that the charge was determined valid because I have made other charges for the same merchandiser and that location. If you check the XX/XX/21 charge for {$640.00}, you will see where the XXXX order was filled. All of my XXXX XXXX orders are filled at the same store ( XXXX XXXX XXXX in XXXX, Oklahoma ). Barclays today, told me the fraudulent charge occurred in Arkansas and it was considered valid because I have made other purchases from that same location in Arkansas. I then compared my XXXX XXXX account to my Barclay statement and noticed that in the last 6 months, I have multiple charges to Vendor # XXXX AR XXXX ( XX/XX/21 {$190.00}, XX/XX/21 {$140.00}, XX/XX/21 {$180.00}, XX/XX/21 {$140.00}, XX/XX/21 {$200.00}, XX/XX/21 {$110.00}, and XX/XX/21 {$150.00} ) which were all filled in XXXX, Oklahoma. ( By the way, XXXX is based in Arkansas so perhaps this is why the vendor ID is an Arkansas location. ) Barclay said I must have made the charge because I have other charges to the same merchant. I do have other charges to the same merchant, but I did not dispute any of the other charges because I actually made all of those charges. As you can see, my grocery bills have been less than {$200.00} and have never even approached {$600.00}. If you need further documentation, you may view my entire XXXX XXXX purchase history and see that I order mostly the same items each time and whatever was purchased on XX/XX/21 was different than my usual orders. You may also wish to look at the locations of the other charges on my Barclay account for XXXX. They were all on XXXX XXXX at XXXX XXXX in Oklahoma. I was not in Arkansas or wherever the XX/XX/21 grocery order was filled. On XX/XX/21, I requested BarclayCard to contact the XXXX XXXX Department and reference transaction # XXXX. I spoke to XXXX and they told me that this charge was not made to my XXXX XXXX account, but to another XXXX XXXX account. My XXXX XXXX account is under XXXX. I regularly order groceries from XXXX XXXX, but I did not make this charge. XXXX stated the XX/XX/21 charge was made to a XXXX XXXX account associated with a different email address. When I spoke to XXXX, I was told that I should not be the one calling XXXX to clarify the issue, as this is the credit card company 's responsibility. Obviously, the credit card company has not contacted XXXX or I would not still be dealing with this issue. On XX/XX/21, I again spoke with Barclay 's Fraud Investigation Dept. I was told that my fax describing the above information was received on XX/XX/21 and that the fraud team was reviewing the evidence. I again called today, XX/XX/21, and was told that the team determined I needed to submit additional information regarding my claim. I do not know what additional information I could provide. I have requested to speak with a supervisor and was told they would request that a supervisor would return my call in 7-10 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73034
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I redeemed points on XX/XX/XXXX and XX/XX/XXXX for {$100.00} gift cards ( XXXX ). These cards never arrived. I contacted XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via message on their online account portel to inquire about these transactions. It is now XX/XX/XXXX and I still have not received these cards or given a sufficient reason why. In my view, they have stolen {$200.00} from me. Their reference number for this is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Barclays closed my account without my permission in XX/XX/XXXX. I received a letter dated XX/XX/XXXX from Barclays claiming I owe and accusing me of prohibited activity in violation of 15 USC 1692e ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. When I attempted to call the customer service number on the letter, I was prompted to provided private personal and identifying information, which is a violation of my consumer right to privacy. I am aware that I was discriminated against for exercising my consumer rights protected by 15 USC chapter 41 in good faith when Barclays closed my account without my consent. There is a billing error regarding the nature, amount, and legal status of the account. I required documentary evidence per 15 U.S. Code 44 which I am confident will shed light on the nature of the error. From the start of the supposed business agreement, purported to be a contract, BARCLAYS BANKhas engaged in fraudulent and abusive debt collection activities, infringing on my right to privacy and undermining my faith in the banking industry and economy as a whole, rights guaranteed to every consumer. Every credit sale after XX/XX/XXXX is subject to consumers ' claims and defenses for unfair or deceptive acts or practices pursuant to 16 CFR 433.3. The credit sale I engaged in with BARCLAYS BANKis no exception. Per the definitions in 16 CFR 433.1, BARCLAYS BANKis subject to consumers ' claims and defenses by way of being a seller. I, the consumer, was never apprised of the creditor 's business arrangement with the seller at the consummation of the original credit sale. Meaningful disclosure of the determination of the finance charge was not provided pursuant to the form of disclosure enumerated in 15 U.S. Code 1632. Documentary evidence shall reveal that my obligation was fulfilled upon signing/endorsing the instrument, the beneficial and security interest of which were not disclosed to me. As defined in 16 CFR 433.1 ( i ), the instrument I endorsed is the consumer credit contract when it was hypothecated and collateralized to fund the credit sale. Many instances of noncompliance occurred when it was subsequently sold and/or assigned to multiple transferees and/or assignees without mutual assent, consent, and notice to me as I have controlling security interest, constituting fraud in multiple ways : 1. Absence of consideration ( I received a " thought '' for my security- no benefit. All contracts must have consideration to be valid ). 2. Absence of disclosure of all facts regarding the use of a promissory note and my signature, violating the U.S. Code 's Truth in Lending Act ( TILA ) and Code of Federal Regulations ' Regulation Z. 3. Absence of disclosure of data-sharing provisions in violation of the Gramm-Leach-Bliley Act ( GLBA ), without the option to decline the sharing of data with furnishers, agencies, or servicers, along with reporting. 4. Monetization of the originating instrument was not disclosed to me. I was not told about the process to monetize a security interest or the secured transactions which were to subsequently take place concerning my chattel paper. 5. Denial of disclosure of the banks relationship to the " trustee and beneficiary, '' amounting to concealment and voidance of the contract. The debenture trustee was concealed from me. 6. I have reason to believe and do so believe that there was forged alteration of the original instrument because it could not have been monetized without augmenting my blank endorsement, even via the use of a special endorsement. I am aware that I am entitled to a refund of alleged repayments and damages of at least twice the finance charge for the violation of 15 U.S. Code 1635 due to my right of rescission never being boldly, simply, and clearly disclosed to me. I was never given a rescission form at the closing of the contract. I have reason to believe and do so believe that BARCLAYS BANKis a creditor engaged in communication in violation of multiple cease and desist notices from me, and is in violation of debt collection consumer protection laws pursuant to 15 U.S. Code 1692c ( a ) ( 1 ) and 15 U.S. Code 1692c ( a ) ( 3 ). As the consumer, I am aware of the definition in 15 U.S. Code 1692a ( 6 ) that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts. '' I have never given express consent to BARCLAYS BANKto communicate with me for the purpose of debt collection, thereby violating 15 U.S. Code 1692c at large. BARCLAYS BANK has violated 15 U.S. Code 1692c ( b ) by sharing my personal private information with consumer reporting agencies. I do not give BARCLAYS BANK or any party permission to bring legal action against I, the consumer, as this is a violation of 15 USC 1692i ( b ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80020
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that the XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX are reporting inaccurate information on BRCLYSBANKDE ( Account # XXXX Balance : {$0.00} Date opened : XX/XX/2015 ). Also, I tried to reach out to the Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66061
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Barclay Bank Delaware Juniper Credit card has adversely reported ( 30 days ) late payments for the entire year of XXXX, XXXX partial XXXX and ( XXXX ) month in XXXX. I can provide bank statements refuting any late payments for the entire year for XXXX, XXXX, XXXX and XXXX. The account was in fact set up on automatic draft payments. I paid off the account in earlier part of XXXX. I noticed a 17 point drop in my credit score when no changes, late payments or new accounts opened have been made on my end. Only after requesting my credit report I have identified that Barclay Bank Delaware Juniper credit card had reported receiving late payments of 30 days in the years listed above. I have contacted Barclay after paying and closing the account in full XXXX. I was ensured that everything was paid and properly closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29229
Submitted Via: Web
Date Sent: 2021-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2021 I closed my Barclays Bank credit card account. The representative assured me I had a XXXX balance and that the account was closed. I cut up the card. XX/XX/2021 I routinely checked my credit report and my credit went from XXXX to XXXX. I researched and found the closed account was reported as non-paid. Apparently from talking to multiple representatives at Barclay Bank, a charge of {$5.00} had been placed on my account after my closure. For 9 months Barclay Bank did not inform me of the charge, and kept charging interest and penalty. Prior to closing the account I insisted on my bills being sent in the mail, so I'd have a hard copy. I did not receive either a paper statement or an email statement. Three representatives from Barclay agreed with my assessment, an escalated it in the Barclay hierarchy. I understand mistakes and after 35 years of perfect credit I felt this was very simple. I also appealed to the three credit report companies, sending copies and explanations. I continue to receive form letters from Barclay saying their decision stands and they refuse to even hear my case. My case number at Barclay Bank is XXXX. Please help me. I know I'm a small customer, but this credit rating has really hurt me. I've never had a delinquent bill, and frankly, I did not make a mistake. I'm sure you have Barclay contact, but I was furnished with XXXX XXXX XXXX, XXXX, DE XXXX. I stand ready to answer any questions and will freely engage with anyone who will contact me. Thank you, please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28078
Submitted Via: Web
Date Sent: 2021-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-30
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 disputed the transaction because the guy who fixed my 75 inch guaranteed for at least a year and it stop working within the first week and then I brought back he said he will apply the guarantee and fix it for free and instead he broke the screen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72701
Submitted Via: Web
Date Sent: 2021-10-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-29
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: In Late XXXX, XXXX I contacted Barclays to check on an ongoing research and recovery of my account information by Barclays to possibly reach a settlement on my XXXX Extra point reward card ( XXXX XXXX ). I spoke with XXXX in the collections department He told me congrats that settlement offer agreement went through and he gave me the details of the agreement such as 3 lump some payments of XXXX to be sent in starting on XXXX XXXX, XXXX XXXX and XX/XX/2021. XXXX told me also that my settlement letter will be mailed to me I asked for an email as well. I felt good since I had followed what the Federal Trade Commission recommended to settle directly with my creditors. So now I made the first of three payments on time and it is XXXX XXXX. And. Barclays still has not sent me my copy of the settlement offer agreement letter. I am told that the settlement is in place that it is a computer glinch and not to worry. But I am worried because all other creditor I settled with sent the letters and I want to make sure that I am protected against deceptive collections practices by the Federal Trade Commission. I just want the letter And the settlement that I am promised on their recorded phone lines. I want resolve between me and one of my good creditors. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30082
Submitted Via: Web
Date Sent: 2021-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-30
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: COMPLAINT DESCRIPTION I entered a contract by deception with XXXX XXXX XXXX in XXXX of this year XXXX. The down payment of the contract in the amount of {$2000.00} was placed on a RCI credit card with zero percent interest for six months. The only other billing that should have been placed on this account was the maintenance fee of {$81.00}. Three consecutive payments made to RCI to pay off the down payment are as follows : XX/XX/XXXX-check # XXXX/ {$1000.00} ; XX/XX/XXXX-check # XXXX/ {$500.00} and finally on the web site XX/XX/XXXX- {$500.00} confirmation # XXXX for a total of XXXX. Payment for the resort was being paid to a company called XXXX XXXX XXXX in the amount of {$300.00}. Consecutive payments were made to this company as follows : XX/XX/XXXX-reference # XXXX ; XX/XX/XXXX-reference # XXXX ; XX/XX/XXXX-refence # XXXX and finally XX/XX/XXXX-reference # XXXX. I notified RCI dispute department as soon as I noticed the first of double payment made by XXXX XXXX on XX/XX/XXXX. When nothing changed a second charge occurred on XX/XX/XXXX which prompt me to speak directly with a manager in hopes of clearing up this problem. Manager XXXX, ( in the dispute dept. }, asked me to send documents proving payments made. I received a denial response to my mailing ( XX/XX/XXXX ) saying that they never received documents from me allowing them to pursue credit from the merchant. I called and spoke with XXXX XXXX Financial Service Manager Mr. XXXX XXXX on XX/XX/XXXX. He emailed me documents of my contract on ( XX/XX/XXXX ) but never addressed the issue of the double billing. I called to speak to him again, however, he has not responded to my calls. This leads me to believe that he feels there is no real issue. My last attempt to clear up this misunderstanding was to call the RCI FRAUD Department, where I spoke with manager XXXX ( ID # XXXX ). XXXX asked me to send in documentation once again as proof of payments. The documents were mailed on XX/XX/XXXX by priority mail. The tracking number showed RCI received my documents on Monday XX/XX/XXXX. I called on XX/XX/XXXX to follow up on this issue to the Fraud department. Relationship manager XXXX talked to the Fraud personnel only to find out there was no documentation on my file for Fraud. That was my last straw. There appears to be a total lack of communication, documentation, and interest to the status of clients associated with RCI. Please note : the RCI account is charged and interest rate of 18.24 % on all outstanding balances and a {$29.00} late fee for non payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-29
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I received a denial letter that describes information that is invalid, fabricated, or an egregious error on the part of the Card Company. There is nothing on my credit profile that is even close to the examples Luxury Card detailed within the denial letter. Copies will be attached
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A