Date Received: 2021-08-11
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: My BarclayCard account was closed a few years back but I still carry a small balance on it. My online account was closed and I am no longer able to log in and make payments, or retrieve statements. My due date is approaching but the company won't grant online access so I can make my payments. I was advised they closed my online access because it was flagged as fraud ; they won't advise me what caused a fraud alert either. The male I spoke with said he didn't know what flagged it as fraud and that we wouldn't reestablish my account access. At this point I have not received my statement for the month because I am enrolled in e-statements. I submitted a claim with the same rep and he said he wouldn't provide me a case number. I had callback about 30 minutes later to obtain the case #. A claim not submitted and a response was expected within 1-2 business days but still no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95361
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
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 BRCLYSBANKDE Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 4. Identity Theft XXXX XXXX XXXX- Account Number : Inquiry Date XX/XX/2020 This is not mine. 5. Identity Theft XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 6. Identity Theft XXXX XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 6. Identity Theft US SM BUS ADMIN ODA Account Number : Inquiry Date XX/XX/2020 This is not mine. 7. Identity Theft XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 8. Identity Theft US SM BUS ADMIN ODA Account Number : Inquiry Date XX/XX/2020 This is not mine. 9. Identity Theft XXXX XXXX Account Number : Inquiry Date XX/XX/2020 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: 10303
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
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: This just proves your lack of proper record keeping. Now, this item is reporting to be late, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33326
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am the victim of a sophisticated fraud perpetrated by my ex wife XXXX XXXX against me over the life of our marriage. I have consulted with local authorities and with legal counsel, and I have been advised that my rights under the consumer protection statutes at both federal and state level are applicable here. However, after notifying Barclays Bank of the fraud discovered, they allegedly conducted an investigation and decided to ignore my rights under the law that protect victims of Identity Theft. I understand that the circumstances are not your cookie cutter, cut and dry identity theft - however if you look at the totality of the situation- I never benefitted, authorized, or was aware of any of these accounts opened, maintained, and used in my name. My signature was forged, in every single instance that the cards were used. Payments were made from an account not under my name. The forgery and deceit is of the highest level, and I have stated numerous times that I am willing to cooperate with and assist with any prosecution for forgery, fraud, and ID theft charges that should be levied on XXXX. Pursuant to the guidance issued by the CFPB and The Federal Trade Commission, I have included my law enforcement report and my notarized Fraud Affidavit in this complaint. This ID theft report has been provided to all my creditors, however Barclays Bank is choosing to ignore the facts and reach a conclusion against me, the victim of a sophisticated Fraud. Barclays has been provided with a legal notice summarized here : " Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). 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 ). '' They have failed to abide by those requirements and more, and therefore leave me no choice but to pursue assistance from the CFPB in order to resolve this fraudulent debt against me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93280
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: After making a large payment of {$8000.00} towards my balance, Barclays reduced my credit limit to {$1700.00}. This was done without ever receiving a late payment. They've ruined my credit while I am applying for a home loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78754
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Received letter from Barclays dated XXXX XX/XX/2021 saying they denied an application for a Wyndham Rewards credit card that I never applied for. I have called them 5 times to speak to their security/fraud team, have waited on hold for over 30 minutes every time and in one case over an hour, and have yet to get to anyone in their security team to dispute the application. I've told their customer service people about how that extension ( to their security service ) is a dead link, but there is no other contact phone number for them, and their online form you can fill out in case of fraud ( https : XXXX XXXX ) requires an active Barclays account ( which I don't have ). I need help getting this hard credit pull off of my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98115
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Like many millions of others during covid I have gotten behind on my payments, not by choice but due to being out of work ; I have tried to get in touch with Barclays regarding my situation ; in the beginning I called them multiple times ; emailed and pleaded that they allow me to pay a much smaller mininal monthly amount and to please stop charging me late fees upon late fees, along with double or triple monthly charges for multiple interest charges. One of their phone agents was even surprised that upon trying to get me to negotiate a way of not getting behing with my payments Barclays declined to help me. They eventually gave me 3 months off but apon me trying to reach them to negotiate another deal with Barclays ; they refused to stop posting more late fee charges to my account plus 2-3 separate finance charges per month, and they were certainly not even willing to discuss lowering my interest rate or forgiving my debt to them altogether. Over the years I have been more than loyal to barclays and have never ever before covid missed payments, in fact when I was working I paid them back monthly of even bimontly so much more than the minimum, large monthly payments did not get me in Barclays good graces, loyalty and excellent credit for tons of years did not make a dent in their heart or equate sympathy for me as one of their customers. Not only does barclay take our money and invest and make obscene monatary gain from loyal customers but when we have a worlwide pandemic Barclays is quick to turn their back on me and not even want to accept phone calls and respond to my email pleas for their help with generic pathethic answers. Barclays and XXXX airlines would probably to chose to stomp over their customers as soon as they make a payment if the media coverage was not a threat to them. They have now as of XX/XX/2021 sent me to collections, I only found this out today, as Barclays did not inform me they have sent me to collections, they kept silent and creeped around to intent to ruin my life by ruining my credit, these creditors are allowed to ruin peoples life only because the power to do so and they choose to be evil and unkind even through tragedy. Shame on Barclays they deserve to be exposed for their underhanded horrible treatment of loyal customers. Covid and Karma are not a drill they are real and the effects are rippling through the entire world, while kind human beings struggle to find ways to help others in need Barclays has their heart set on destroying lives like a virus. I have never stopped paying Barclays I have paid any amount I can on a monthly basis, but I assume that means nothing to them. Please help me, women in need of monetary assistance is a result of the way society has allowed companies such as Barclays to be one of the sources of horrible life changing never ending negative effects. The poor stay poor and the uber wealthy and greedy get to deal with their own day to day realization that they are also in debt to someone or something. Please help me get rid of this debt I have never intended not to pay them back once I get back on my feet financially and healthwise but I wont hold my breath as Barclays never did reward me when they used to call me one of their best customers for years, they quickly turned on me at the first sign of trouble, they did the bare minimun just save face.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91505
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: What a horrible card and bank never care for me their customer I wanted to product change upgrade to a different card since I. Dont like this XXXX card I want a cash back card when I called they said no You need to apply they dont allow switch when other banks do they have a dept fir that to make you happy but they will never do anything fir me since they dont care to make me happy I want a contactless card that is not XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Barclays has repeatedly reduced my credit limit on my card during the course of the pandemic - even as my overall credit score has risen and my income / ability to pay has risen. The team provides no preemptive notice of doing so - after a statement closes, Ill see this change to my available credit on my credit report. I have multiple other accounts, have never missed a payment with Barclays, and have not even asked for a forebearance - and yet Barclays continues to target me unlike any other banking institution I work with ( XXXX, XXXX, XXXX, etc ) Each time I call and complain about this treatment, no one will provide me with any rationale why they of all banks think that improving creditworthiness = lower credit limit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 807XX
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I looked over my report and saw inquiries on my credit report that I did not give consent to be on my report. XXXX is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. ( XXXX ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX doesn't have a court order with jurisdiction or consent from the CONSUMER to place anything on my Credit report. I sent a dispute letter certified mail next day and XXXX still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A