Date Received: 2021-07-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My complaint is against Barclays Bank. I have a XXXX XXXX Visa card. Today I received an announcement from Barclays that the XXXX XXXX card will be converted to a Barclays card. I have no relationship with Barclays and do not wish to have a relationship with Barclays. The announcement says that even if I refuse to accept the change, they will issue a new card anyway, and then close it. Here 's the exact wording : " Even if you reject these changes and we close your account, your account will still be converted to a new XXXX XXXX XXXX Mastercard from Barclays and you will receive a new credit card ... .. '' I do not want a new account to be reported to the credit bureaus. Barclays has no right to force a new account upon me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11743
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-24
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 called on on XX/XX/XXXX at XXXX to close my account due to fraudulent activity happening multiple times in a month ( 3 times with 2 new set of cards ), issuing new cards and locking those cards did not help, fraudulent charges will still being made! Anyway, I was told my account had been closed and all fraudulent charges were taken off. I login today XX/XX/XXXX to find they let one of them go through and it now says I owe {$100.00}. ( XXXX fraudulent charge and a XXXX cent minimum interest charge, which should not apply because my balance should be XXXX ) I called right away and got someone who did not speak very good English and she starts reading from a script saying they will send me a new card. I CLOSED MY ACCOUNT. I don't want a new card, I was my balance to reflect XXXX and to be done with the awful awful company! How can charges still go through on a LOCKED cards? I am beyond frustrated, never in my life will I do anything with Barclay. Please fix this and put my account back at XXXX and make sure it is truly closed!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30120
Submitted Via: Web
Date Sent: 2021-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90301
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
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 my credit card and phone were stolen by an unknown person. They charged {$410.00} at a XXXX in my town. When I realized midday that my card and phone were missing I immediately closed all my credit cards and disputed my transaction/ As well as filing a police report with the XXXX Sheriff office , whose case number I've included below. For some reason my barclay Jet Blue Credit Card has sent me a letter saying that their investigation found that the charges were valid. They were not valid. Case Number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: On XX/XX/XXXX I used my card with a friend to purchase an on-line cellphone service. I made the purchase with my last known address on my credit card. The bulk of the purchase infoprmation was hers. The charge was successful, but was flagged for " fraud '' and I cleared it with my CardHolder Bank : BARCLAYS BANK for the XXXX XXXX XXXX Creit Card. I have a very large credit line and have held the card in good standing 3 years. On XX/XX/XXXX I allowed my card to be used for a ticket purchase. My attempts were unsuccessful 6 times. I used my last known address on my card for this effort. I contacted XXXX XXXX Customer Service and spoke to XXXX. She told me all of SIX of the attempts had been successful. she could not reverse them despite the passage of mere minutes, and that my address had been changed BY ME. She said I did it XX/XX/XXXX using 2-factor authentication. I DID NOT HAVE POSESSION OF MY CELLPHONE ON XXXX AND WAS IN HOSPITAL. I found the woman helping me to be unprofessional and punitive in her replies to my requests. I was upset to learn what she shared. I also have the disadvantage of being a person with a XXXX XXXX Restraining Order the past 3 years and victim of Electronic Stalking, Social Engineering and Bank and Credit Card Fraud. I have informed Barclays every step of the way. The card in use is mine solely but I am married and my husband hurt me, and so the restraining order after his felony arrest. This is a diffiult and exhausting time for me. On XX/XX/XXXX I called again and spoke to XXXX who gace me a DIFFERENT story than XXXX the day befiore, but no less concerning AND SO MY COMPLAINT. She said myt address on my card had been UPDATED using PUBLIC INFORMATION and without my advise or consent on XX/XX/XXXX. She said the other representative was wrong about the address change CHANGE as well as the SIX charges, which XXXX went through, presumab.ly becasue I was using the former address on the on-line transaction. Attempts for needed medication have ALSO BEEN REJECTED presumably because I was unaware of the address change DONE FOR ME WITHOUT MY AUTHORIZATION. In addition, the NEW address became the recipient location for an automatically generated NEW CREDIT CARD I will never need or use in my circumstances, with a " Tap and pay '' feature. I hope I receive it. I should have been given the option. I am very careful with public information and my address and where abouts. I have documented with local law enforcement events which have compromised my personal safety with local law enformcement for 3 years. The effects to me have been a lot to manage and I have always been able to rely on BARCLAYS more than the other six cards I carry to be discreet, professional AND SECURE WITH MY PRIVACY. This changed my perception alarmingly, and at a time I have other healing to do. IS IT POLICY OR LEGAL FOR THIS TO HAVE OCCURRED? I am a cardholder in good standing - make regular and on-time paymements including one for mear 5-figures recently. I don't understand how BARCLAYS would have the power to consult the internet before ME to change my address. My physical address is approved for the US Dept of Justice SAFE AT HOME program, but not yet in use since I left home XX/XX/XXXX fore the XXXX. For this reason, my BARCLAYS card was the only credit card I chose to carry with me, ensure XXXX credit was available AND LEAVE WITH MY OLD ADDRESS WHICH HAS A FORWARDING IN PLACE IN NEVADA. Please help me understand what has happened at the following email : XXXX -- thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91730
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor. I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format procedures ignoring to report. XXXX XXXX XXXX Account ID : XXXX The account is invalid and unverifiable. I demand that it be deleted from my credit report. If no proof of debt exists and there is no verifiable information, then the information may not be reported to the credit bureaus nor reported by them under the Fair Credit Reporting Act. Obviously, this incorrect account information can not be verified so therefore is absolutely must be deleted from my credit report or you will be in violation of the FCRA. Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). It is very urgent that you please investigate and resolve as this is harmful to my character and is obstructing my capability to obtain financing.I already was denied by applying for a lease .That happened 3 times in a last 60 days already and I am financially hurt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11432
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I've been a XXXX Rewards Visa ( Barclays ) card holder since XXXX of XXXX. I have always paid on time, never carried a balance, and my credit score has always been strong ( XXXX ). It was my daily go-to credit card due to the good rewards program. On XX/XX/XXXX my account was closed by Barclays without prior notice. A week letter I received a form letter saying the cancellation was due only to " a history of account usage ''. This is terminology from the Terms and Conditions as a valid reason for account closure and points forfeiture. However, there was nothing about my account usage that was suspicious or unusual that any customer service agent could indicate. The phrase is so vague it has no meaning -- every credit card has a history of usage. Barclays has every right to end our business relationship, but my primary concern are the significant balance of reward points I had at the time of account closure -- XXXX points -- which are worth between {$2700.00} and {$4100.00}, depending on how they would have been redeemed. Of course, I always chose the best redemption method, so to me they are worth the larger amount. Barclays has always advertised this card primarily based on the rewards program, and so I believe it to be false advertising to award points at purchase time but then cancel the card without notice before these points could be used or transferred out. I made several calls to customer service on XX/XX/XXXX and spoke with a variety of different departments, none of which could help me other than confirm my points were inaccessible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78727
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
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 XXXX I visited one online website and paid {$45.00} for one month fee by using XXXX XXXX XXXX Mastercard, the website said I could cancel the service anytime ( as usual ). in XXXX I did not want to continue and thus I called the phone posted on the website to cancel the service and I waited almost one hour but no one picked up the phone, and also I could not find any other contact information. I called the credit card in the XXXX at XXXX and I was told that the charge - {$45.00} was pending ( XXXX XXXX ). I told the credit card customer service that I did not agree to pay anything more and I have called but I could not find the website owner, and thus I asked the credit card company to stop paying and mail me a new card. The credit card customer services agreed to stop paying and mail me a new card. After two weeks I received the new card and I thought the issue had been resolved. But in XXXX I received my statement the charge was still there and in addition, I was charged later fee and interests. I called credit customer service again in XXXX, I was told they were investigating and then I received a favorable letter from them, I thought the problem had been cleared, and thus I did not intentionally keep the letter. In XXXX I received billing again and I was asked to pay more ( the original charge + fees + interests ). I asked the customer service again and this time I was told my case had been transferred to dispute office, I spoke a lady in charge and it seemed the charge would be removed. But last week I received my monthly billing again as attached. the charge was still there and some later fee adjustment under my request. I called them again on XX/XX/XXXX and my phone was transferred to customer relation office and no one picked up the phone after one hour waiting. XXXX on XX/XX/XXXX, I called again and a lady in customer service answered my phone, she totally agreed with what I told her and she suggested me to call XXXX next day - XX/XX/XXXX during the regular time. I followed and called dispute office on XX/XX/XXXX, a man with heavy XXXX accent answered my phone, he told me they could not dispute the charge since this was recurring charge. I do not know who told him that, and also it is not a business of credit card company. I told him that I am the card holder and I have right to ask my card company to stop paying anything I did not agree, and they did not stop payment under my request, which was a misconduct. I feel the credit card company stick with some scam -like company together to damage their customers, the credit card provider charges customer later fee + interests and in the meanwhile the scam-like company makes money from customers. As a card holder, I feel losing control of my own credit card. Obviously I have spent a lot of time and energy but I could not stop them, and I need your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27284
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have disputed the accounts with all for the credit bureaus for the accounts reporting with XXXX XXXX , XXXX XXXX, XXXX, XXXX, XXXX, Barclays Bank, XXXX XXXX, XXXX, XXXX XXXX and XXXX are not mine, I have sent this info to each creditor along with the credit bureaus directly by mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I never repined any replies from any of the companies, but XXXX and XXXX have replied back, but the investigations are not completed accurately. I have sent over request to have the results of the investigation forwarded to me.,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A