Date Received: 2021-08-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: This bank refuses to process or check my credit to see if I qualify for a credit card based on a previous account with them which I dont recognize having this is not fair Im a victim Of identity theft
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: 2021-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Barclays ( jetblue ) credit card deposited a {$3600.00} check that was sent from XXXX XXXX XXXX XXXX on behalf from a personal loan I applied for in order to consolidate credit card debt. Barclays has not applied the funds to my account yet they freely deposited it into their own account. Barclays said it will take up to 3 billing cycles to resolve the issue which will equate to late fees, credit delinquency, and accrued interest. My first goal is for them to apply my money to my account. I am now paying interest on the loan from Seasons and the credit card. The second is to hold them accountable for the fraud they have willingly engaged in, deposited funds without accounting for it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I received a Barclay 's credit card as part of an online promotion. I never used the card but a fraudulent charge appeared on the account. I contacted Barclay 's fraud service who assured me the charge was removed and no late fees would be associated with the fraudulent charge. two months later i started getting emails and calls from Barclay 's telling me my account was past due and threatening my credit. I once again contacted customer service at Barclay 's and after numerous transfers and agents was told that two late fees associated with the fraudulent charge had been removed and the charge itself was returned already. Now, three months later I am getting more calls and emails complaining about the account being in arrears. I contacted customer service who claims to not know why additional late charges and the fraud charge are back on the account. I was told three months ago that the account had been closed but apparently they could not accomplish that either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27501
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I did balance transfers to pay off my high interest cc at Barclay Bank. I mistakenly overpaid the balance resulting in a large overpayment of {$6600.00}. I called Barclay on XX/XX/2021 and requested a refund. They said they would mail me a check 7-10 days. Repeatadly called no check recieved.XX/XX/XXXX manager named XXXX he would cancel original check and send a new one, again 7-10 days. I requested it be sent by XXXX or at least registered mail he said that was not there policy. I asked if there was anyone there that could authorize an effecient payment method and he said no.Finally recieved a check on XX/XX/2021 in a crumpled envelope postmarkde XX/XX/2021.Called and asked if I could deposit this check. They said no it had been canceled but a new check was posted on XX/XX/2021. It is now XX/XX/2021 just checked todays mail still no check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63376
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received an email from XXXX on XX/XX/2021, informing me that I am all set to earn XXXX additional points on everyday purchases ( earn an additional XXXX points for every {$1.00} spent on grocery store, drug store, and restaurant purchases, up to XXXX points, from XX/XX/2021 to XX/XX/2021, plus earn an additional XXXX points if you spend at least {$3000.00} on purchases from XX/XX/2021 to XX/XX/2021 XXXX. The email did not provide me any link or option to activate the offer. The offer says Youre all set When I called XXXX on XX/XX/2021, to inquire about this offer I was told by the representative that I needed to activate this offer prior to XX/XX/2021. I explained that I never received any emails informing me about this offer until XX/XX/2021. How can I activate an offer I was not aware of? After reviewing my account, the representative stated that he does not even see this offer on my account ( which further proves that I did not receive any emails to activate this offer ) and yet I received an email telling me that I am all set to earn XXXX additional points. The email expressly states that the advertisement/solicitation was intended for me. I would have loved to activate this offer especially since I just started using my XXXX card again and made purchases totaling more than {$3000.00} from XX/XX/2021 to XX/XX/2021 XXXX promotional period ), which would have qualified me for the additional XXXX points. I sent XXXX a detailed letter with a copy of the email included and respectfully requested that they review my account and confirm that I was never given an opportunity to activate this offer. If I had, I would have activated this offer and been qualified to earn an additional XXXX points based on my spending of over {$3000.00} from XX/XX/2021 to XX/XX/2021. I further asked that after they confirm that I was never given the opportunity to activate the offer, and that I had spent the qualified amount, to please give me the additional XXXX points that I believed was fair for me to receive based on the advertisement/solicitation I received. In response, XXXX sent me a generic letter stating : " We are currently unable to complete your request. '' I would XXXX to honor the advertisement/solicitation that the email expressly states was intended for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85308
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. BRCLYSBANKDE bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32828
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
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 have been disputing a charge with Barclays since XX/XX/XXXX. The charge was made on XX/XX/XXXX at XXXX for a hotel reservation in the amount of {$1300.00}. Unfortunately, XXXX went out of business in XX/XX/XXXX, and they instructed me to reach out to my credit card provider to receive a refund as they were not going to refund my charge. The hotel never received payment from XXXX, and my reservation was cancelled my them. Thus, I paid for a service that I never received. I submitted a dispute with Barclays on XX/XX/XXXX. I was told on XX/XX/XXXX by a woman named XXXX ( see photo of call record below ) that I would be refunded the charge. Unfortunately, for the next seven months, I did not hear anything from XXXX. I had followed up at least 15 times prior to XX/XX/XXXX without a resolution to the matter. In XXXX of XXXX, I received the attached letter from Barclays stating that I would receive a credit for the above amount of {$1300.00} on my next statement. Unfortunately, only {$920.00} has been credited back to me for that charge ( see attachment below for portion of XX/XX/XXXX bill ). Additionally, none of the interest related to the disputed charge has been credited back, and interest has continued to accrue since XXXX of XXXX. I had received assurances from numerous representatives from Barclays that interest would not accrue since I had filed a dispute, yet it is still has continued to accrue sixteen months later. I have called Barclays numerous times since XX/XX/XXXX as well, and I have yet to receive an adequate response as to why I was not credited back the additional {$420.00}, as well as the related interest, which is {$280.00} at this point. This has been extremely aggravating for me, as I have never missed a payment with the company, and I have paid every bill in full since I became a member in XXXX. I mailed a certified letter to Barclays on XX/XX/XXXX. The letter and return receipt are attached below. I still have not received a response from Barclays on this, and when I follow up with them regarding this matter, they tell me there is nothing more that they can do. This has been extremely aggravating for me, as I have been told by Barclays twice throughout this time that I would be made whole, as well as having my interest refunded on the outstanding charge. Nonetheless, I have not been credited back the full amount, nor have I been refunded any accrued interest related to this dispute. This has gone on for sixteen months with numerous calls on my end to Barclays, but still has not come to a fair resolution. I respectfully request the CFPB to assist with this dispute. I am happy to provide any additional information the Bureau, or Barclays, may need.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Two accounts with Barclays were fraudulently opened and have a balance. I reported this to the company in XXXX and have not gotten a resolution. The accounts are still on my credit report, with a reported balance of {$5200.00} on one account and {$2100.00} on the second. The company claims these are my accounts, but I have no knowledge of them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02186
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
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: XX/XX/2021 Prepaid online to rent car from XXXX {$210.00} XX/XX/2021 Car rental agency charged my credit card on XX/XX/2021 {$260.00} XX/XX/2021 Contacted car rental agency and was told they would look into. XX/XX/2021 Filed dispute with my credit card owned by Barclays, Claim # XXXX. XX/XX/2021 Contacted by my credit card, instructed me to provide all receipts, credit card statements, bank statements, notices, printouts, etc and fax to XXXX of which I did. ( later learned I was given incorrect fax number ) XX/XX/2021 I contacted my credit card for status, was told my claim was closed because they did not receive required documentation as instructed on XX/XX/2021, was informed I had incorrect fax number and was given XXXX. XX/XX/2021 I refaxed all required documentation and mailed out hard copies as well. XX/XX/2021 I called credit card company to confirm all required documentation was received. XX/XX/2021 I received a letter from my credit card company dated XX/XX/2021. " After further review, we're not able to assist you with obtaining a credit to your account due to the following : " '' Insufficient proof that the merchant has violated the invoice/contract 's terms and conditions. '' '' I prepaid for a car rental and was then charged a second time for the car rental and my credit card 's notice dated XX/XX/2021 does not address this issues. I no longer have any faith in my XXXX Visa/Barclays credit card and need your assistance please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I sent in a bank check for XXXX ( last four digits of account number written on check ) and a payment stub to Barclays on XX/XX/XXXX. The check was received by Barclays and payment was made by my bank to Barclays on XX/XX/XXXX. I first called Barclays on XX/XX/XXXX to inquire why the payment was not applied to my account. An investigation was opened at Barclays and I have since not been given any acknowledgment that my payment was received despite giving them a copy of the cancelled check from my bank. The customer service reps give me vague boiler plate answers telling me a resolution will come within 2 billing cycles!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A