Date Received: 2021-07-28
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 am writing because Ive been in contact for months with Barclays to dispute a fraudulent transaction on my credit card. Ive been transferred between the dispute and fraud departments every time I call. Ive been told a supervisor is never available but that one will call me back, and yet Ive never gotten a call back. The dispute I have is regarding a transaction on my Barclays account where a merchant overcharged me. I was in XXXX XXXX, XXXX at a bar on XX/XX/21 with a friend, and when I attempted to pay the bill for drinks, I was told we owed {$8000.00} XXXX XXXX. I handed my XXXX credit card I use for daily purchases to the waiter who walked away to charge the card, but when he returned, I was told the card declined. I then proceeded to attempt to pay with another XXXX card and I was told it declined too. The same happened with a XXXX XXXX I tried to use. I then tried to pay with my Barclays card, but again the waiter returned to say the card declined, and I would need to pay with cash. A representative of the bar then took me to a nearby ATM, and I made a withdrawal, and paid my bill in cash to pay this. I was given no receipt, but I was allowed to leave the bar at this point. It was not until I checked my Barclay account online much later that I discovered the Barclays card was charged! Not only was I lied to about the transaction, but the card should NOT have been charged at all because I paid in cash, and the amount also charged is outrageous, and not in line with my bill that day. Plus, I never signed a receipt for that charge. When I noticed the charge, I contacted Barclays to help resolve the matter because I had no way to contact the bar, and I do not speak good enough Spanish to have been able to discuss the matter with them either way. I provided a copy to Barclays of the ATM transaction for the cash that I used to pay the merchant, as well as the text messages from both XXXX XXXX & XXXX showing the merchant was trying to charge my account random and outrageous amounts which were not authorized by me and are clearly fraudulent. To date, Barclays has denied my claim once, providing no explanation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76112
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
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. {$5900.00} 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: 33071
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
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 was a victim of identity theft and have several accounts compromised, including my Barclays US credit card. There were a series of fraudulent purchased made using my card through my XXXX XXXX account on the evening of XX/XX/2021 : XXXX XXXX {$20.00} XXXX XXXX {$7.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$7.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} I immediately contacted the creditor to freeze my account and report the fraud, which they assured me I wouldn't be charged for, but after investigating the charges, they deemed them as valid. I also contacted XXXX to dispute the charges, but they also deemed them as valid purchases. I don't even know what XXXX XXXX is! I also had my personal and a joint checking account compromised and another credit card, who deemed the charges as fraudulent. I contacted Barclays US after they deemed the fraudulent activity as valid, but they were unwilling to re-evaluate and told me to contact XXXX. I disputed the charges through XXXX, but they also deemed as valid and told me to contact the creditor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97203
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I accidently sent an electronic payment of XXXX to Barclay Bank Credit card in XX/XX/2020 through my XXXX XXXX online banking account. The credit card was discontinued several years ago but was still on my list of payees. I contacted Barclay customer service and they said the payment was sent to another bank as the credit card was sold to them. I never had an account with the other bank and they have no record of me as a client. XXXX XXXX gave me XXXX XXXX to work with because they are the electronic transmittal service. XXXX has made numerous phone calls with me on the line to Barclay. XXXX has faxed ( the only way Barclay will accept ) the proof of payment several times. Barclay agents keep saying they have not received proof and will not return my money. It has been over 7 months and I want them to returnt my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02132
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XXXX I requested a balance transfer from XXXX XXXX XXXX to payoff my XXXX XXXX XXXX XXXX The check for {$8400.00} was sent to Barclays Card Services, XXXX XXXX XXXX XXXX PA XXXX. The check was deposited in a Barclays account in a Barclays Acct # XXXX at XXXX XXXX XXXX on XX/XX/XXXX.. Barclays, unfortunately no longer processes XXXX XXXX XXXX credit cards.So the payment is sitting somewhere in limbo. Barclays could : - return to the funds to XXXX. - forward the payment to XXXX now handling XX/XX/XXXX credit card processing - send a check to me I have spent endless hours on the phone on hold with Barclays trying to get some resolution to absolutely no avail. Am I always forwarded to a manager or acct rep where the line rings forever,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: This is a XXXX XXXX Visa account with Barclays Bank. Account number ending in XXXX. 1. On XX/XX/2021, this account was compromised unbeknownst to me at the time. A fraudulent charge of {$30.00} was made at a XXXX XXXX in XXXX, NC by another person who at one time resided at the same address as me for a short time. This person now lives out of state and has not lived at my address for more than a year. I have never stayed at this XXXX XXXX. 2. On XX/XX/2021, I received my credit card bill in the mail, noticed the fraudulent charge, contacted Barclays, filed a fraud dispute, and had the existing card account closed, and a new card sent to me. 3. A few days later, Barclays gave me credit for this fraudulent charge from XX/XX/XXXX. 4. On XX/XX/XXXX, Barclays sent a letter which I received on XX/XX/XXXX, reversing their decision. They stated I now owed the {$30.00} and they would charge me for it. 5. After many attempts to call them and over 1 hour on the phone they said they made their decision because the person who made the charge without my knowledge had at one time lived at my address, and the case had been closed against me. 6. I have tried to get a number to call Barclays corporate headquarters to complain but the numbers keep circling me back to customer service with long wait times. Plus you then talk to someone not in the USA who is very hard to understand with a heavy accent and they read from a script and don't address your real complaint. 7. Since I had declared the account fraudulently used, gotten a new card, and filed a fraud dispute when I got my bill, I don't think I should have to be liable simply because the person who made the charge lived at the same address as me at one time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29550
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2021 Barclays Bank of delaware received my dispute which consist of me disagreeing with this alleged charged off account being on my credit report and also the alleged Balance on this allege charged off account I asked barclays bank to send me athe original contract and billing statements to see what was going on but before anything to follow 12 CFR 226.12C ( 2 ) - Special credit card provisions. Which Requires the alleged creditor to remove the account from my credit report while this dispute is taking place. Barclays Bank of Delaware does not send me any SIGNED AGREEMENT which voids any sort of contract they are alleging according to Title 32 of South Carolina Code of laws SECTION 32-3-10 ( 5 ) of the stat ute of frauds of South Carolina. " ( 5 ) To charge any person upon any agreement that is not to be performed within the space of one year from the making thereof ; Unless the agreement upon which such action shall be brought or some memorandum or note thereof shall be in writing and signed by the party to be charged therewith or some person thereunto by him lawfully authorized. '' Also barclays Bank of delaware did not remove the account off of my credit report According to 12 CFR 226.12C ( 2 ) - Special credit card provisions. This alleged creditor is not compliant to an requirement whatsoever
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: On XX/XX/2021 I disputed information on my credit report. Barclays bank refused to respond within the 30 days provided under FCRA 15 USC Sections 1681i. I received information from XXXX that the account will be removed ( please see attached ) and as of today the information is still reflecting on all credit bureaus. I need this to be updated accordingly per FCRA guidelines.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 959XX
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
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: On XX/XX/2021, two charges were posted to our XXXX XXXX XXXX XXXX XXXX by XXXX XXXX for the XX/XX/XXXX purchase of a XXXX XXXX XXXX. One charge was for {$49.00} and the second for {$59.00}. The {$49.00} charge was made in error and, when notified, XXXX reversed that charge and the credit was posted to our account on XX/XX/XXXX. The product never arrived ( and still hasnt ). We were frequently unable to contact XXXX or, if we could, the replies were evasive. As a result, we disputed the {$59.00} charge in XXXX using the online procedure at Barclays credit card website ( https : //www.barclaycardus.com ). Barclays acknowledged receipt of your {$59.00} dispute by letter dated XX/XX/XXXX. It was assigned Case Number XXXX and a provisional credit of {$59.00} posted to our account on XX/XX/XXXX. On XX/XX/XXXX, we received a letter from Barclays dated XX/XX/XXXX the deadline imposed by 15 U.S.C. 1666 ( a ) regarding Case Number XXXX for a billing dispute for the {$49.00} charge by XXXX on XX/XX/XXXX. It said {$49.00} was being charged back to our account [ b ] ecause you received two credits for one disputed transaction. Our XXXX credit card statement shows a {$49.00} charge labeled " Rebill - XXXX XXXX '' posted to our account on XX/XX/XXXX. Barclays made this charge without any factual or legal basis. Its statement that we received two credits for one disputed transaction is false. As Barclays acknowledged in its XX/XX/XXXX letter, the only disputed transaction was the {$59.00} charge, for which Barclays issued one credit of {$59.00}. The merchant reversing an erroneous {$49.00} charge is unrelated to the dispute over the {$59.00} charge. Barclays NEVER issued a credit for {$49.00}. Therefore, as Barclays own records would reflect, it had no reason to rebill us for a transaction the merchant admitted was erroneous. After receiving this letter, I spent more than 40 minutes on the telephone with Barclays dispute resolution explaining this situation. I was told nothing could be done unless I filed a new dispute because there wasn't a case number for the {$49.00} reversal and XXXX was closed. This is despite the fact the chargeback came under the XXXX case number. Moreover, the Barclays website does not allow us to file a dispute over this online. ( I faxed a dispute letter and supporting evidence to Barclays late on XX/XX/XXXX. ) To further make this a Kafkaesque situation, I asked the dispute resolution representative to speak to a supervisor. I was informed I couldn't because " COVID-19 protocols '' prohibited the representative from handing the phone to someone else. When I asked that a supervisor call me, I was told that would take 7-10 days. Does Barclays really use handheld phones that leave their representatives unable to transfer calls to another phone or extension? Does it really take a Barclays dispute resolution supervisor a minimum of a week to find a phone? Barclays unfounded, unilateral action essentially reduces the {$59.00} credit to which we are entitled to {$10.00}. Its forcing us to pay XXXX a total of {$99.00} for a nonexistent {$59.00} product. Barclays is now in violation of 15 U.S.C. 1666. Its actions and refusal to deal with us in good faith should be sanctioned. Moreover, Barclays investigation and dispute resolution procedures should be examined as they appear nonfunctional and incompetent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57108
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Barclay MasterCard. I was solicited by Barclay for a 0 % APR on purchases made starting XXXX, XXXX until XXXX XXXX. Once I accepted the offer, which was in a pop-up box, the terms were no longer viewable. I received no confirmation with terms, I can not see terms on their website, terms are not viewable on my credit card statement. I had a balance of XXXX before the promo began I paid XXXX in full on XX/XX/XXXX bringing my balance to XXXX I then made a charge on XX/XX/XXXX ( the first day of the promo ) for XXXX. My current statement dated XX/XX/XXXX shows a balance of XXXX, minimum payment due of XXXX. Unfortunately in the Interest Charge Calculation section, it states that XXXX will be subject to 14.99 % APR if I carry a balance, and XXXX will be subject to 0 % APR. Those two figures total XXXX. So my understanding is if I only paid the minimum payment of XXXX, I would be subject to 14.99 % APR on a portion of the balance carried. I called the toll free number for clarification on XX/XX/XXXX and the first rep I spoke with could not answer the question. I then spoke with her manager XXXX in XXXX, NV who actually stated " I don't know ". I feel as though I have been tricked. My balance was XXXX on XXXX XXXX. I made no new charges until the 0 % APR promo offer began on XX/XX/XXXX. So now I'm forced to pay my entire bill, instead of enjoying the 0 % APR that was promised.
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: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A